<SEC-DOCUMENT>0000004962-15-000005.txt : 20150121
<SEC-HEADER>0000004962-15-000005.hdr.sgml : 20150121
<ACCEPTANCE-DATETIME>20150121160544
ACCESSION NUMBER:		0000004962-15-000005
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	20150121
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Regulation FD Disclosure
FILED AS OF DATE:		20150121
DATE AS OF CHANGE:		20150121

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:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-07657
		FILM NUMBER:		15538686

	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>8-K
<SEQUENCE>1
<FILENAME>form8kearningsq42014.htm
<DESCRIPTION>8-K
<TEXT>
<html>
<head>
    <title>form8kearningsq42014.htm</title>
    <!--Licensed to: AMerican Express-->
    <!--Document Created using EDGARizer 2020 5.4.6.0-->
    <!--Copyright 1995 - 2014 Thomson Reuters. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="DISPLAY: inline; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div>
<hr style="MARGIN-TOP: -5px; COLOR: #000000" noshade size="4">
<hr style="MARGIN-TOP: -10px; COLOR: #000000" noshade size="1">
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 18pt; FONT-WEIGHT: bold"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">UNITED STATES</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 18pt; FONT-WEIGHT: bold"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">SECURITIES AND EXCHANGE COMMISSION</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">Washington, D.C. 20549</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 3pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 18pt; FONT-WEIGHT: bold"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">FORM 8-K</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 3pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">CURRENT REPORT</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">Pursuant to Section&#160;13 or 15(d) of the Securities Exchange Act of 1934</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">Date of Report (Date of earliest event reported):&#160; January 21, 2015</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 3pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">&#160;&#160;</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 24pt; FONT-WEIGHT: bold"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">AMERICAN EXPRESS COMPANY</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">(Exact name of registrant as specified in its charter)</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 3pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 3pt">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="middle" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="middle" width="24%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="middle" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="31%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">New York</font></div>
</td>
<td align="left" valign="bottom" width="6%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="24%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1-7657</font></div>
</td>
<td align="left" valign="bottom" width="6%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13-4922250</font></div>
</td>
</tr><tr>
<td valign="top" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(State or other jurisdiction</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">of incorporation or organization)</font></div>
</td>
<td align="left" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="24%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Commission File Number)</font></div>
</td>
<td align="left" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(IRS Employer</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Identification No.)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="top" width="44%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;<font style="DISPLAY: inline; FONT-WEIGHT: bold">200 Vesey Street</font></font></div>
</td>
<td align="left" valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="44%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;New York, New York</font></font></div>
</td>
<td align="left" valign="top" width="3%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="40%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-WEIGHT: bold">10285</font></font></div>
</td>
</tr><tr>
<td valign="top" width="44%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-WEIGHT: bold">(Address of principal executive offices)</font></font></div>
</td>
<td align="left" valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-WEIGHT: bold">(Zip Code)</font></font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">Registrant&#8217;s telephone number, including area code: (212) 640-2000</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="30%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="top" width="45%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-WEIGHT: bold">Not Applicable</font></font></div>
</td>
</tr><tr>
<td valign="top" width="45%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-WEIGHT: bold">(Former name or former address, if changed since last report)</font></font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 3pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 3pt">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="top" width="3%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: wingdings; FONT-SIZE: 10pt">&#168;</font></div>
</td>
<td align="left" valign="top" width="71%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Written communications pursuant to Rule&#160;425 under the Securities Act (17 CFR 230.425)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 3pt">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="top" width="3%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: wingdings; FONT-SIZE: 10pt">&#168;</font></div>
</td>
<td align="left" valign="top" width="71%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Soliciting material pursuant to Rule&#160;14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 3pt">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="top" width="3%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: wingdings; FONT-SIZE: 10pt">&#168;</font></div>
</td>
<td align="left" valign="top" width="75%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Pre-commencement communications pursuant to Rule&#160;14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 3pt">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="top" width="3%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: wingdings; FONT-SIZE: 10pt">&#168;</font></div>
</td>
<td align="left" valign="top" width="75%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Pre-commencement communications pursuant to Rule&#160;13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">&#160;&#160;</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div>
<hr style="MARGIN-TOP: -5px; COLOR: #000000" noshade size="1">
<hr style="MARGIN-TOP: -13px; COLOR: #000000" noshade size="4">
</div>
</div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">&#160;</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<br>
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Item 2.02</font></div>
</td>
<td align="left" valign="top" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Results of Operations and Financial Condition and</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Item 7.01</font></div>
</td>
<td align="left" valign="top" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Regulation FD Disclosure</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">The following information is furnished under Item 2.02 - Results of Operations and Financial Condition and Item 7.01 - Regulation FD Disclosure:</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">On January 21, 2015, American Express&#160;Company issued a press release regarding its financial results for the fourth quarter and full year of 2014. A copy of such press release is attached to this report as Exhibit 99.1. In addition, American Express Company&#160;distributed a 2014 Fourth Quarter/ Full Year Earnings Supplement, which is attached to this report as Exhibit 99.2. Each exhibit is hereby incorporated herein by reference.</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">&#160;</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left">
<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exhibit</font></div>
</div>
</td>
<td valign="top" width="76%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Description</font></div>
</div>
</td>
</tr><tr>
<td align="left" valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">99.1</font></div>
</td>
<td align="left" valign="top" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">Press Release, dated January 21, 2015, of American Express Company regarding its financial results for the fourth quarter and full year of 2014.</font></font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">99.2</font></div>
</td>
<td align="left" valign="top" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">2014 Fourth Quarter/ Full Year Earnings Supplement of American Express Company.</font></font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">-2-</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<br>
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">SIGNATURE</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">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 hereunto duly authorized.</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="top" width="47%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="top" width="36%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="47%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="33%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(REGISTRANT)</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></div>
</td>
<td align="left" valign="top" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="47%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="3%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:</font></div>
</td>
<td align="left" valign="top" width="33%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">/s/&#160;Carol V. Schwartz</font></div>
</td>
<td align="left" valign="top" width="11%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="47%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="33%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Name:&#160;Carol V. Schwartz</font></div>
</td>
<td align="left" valign="top" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="47%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="33%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Title:&#160;Secretary</font></div>
</td>
<td align="left" valign="top" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="47%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="33%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">Date:&#160;&#160;January 21, 2015</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">-3-</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>
</div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<br>
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">EXHIBIT INDEX</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exhibit</font></div>
</div>
</td>
<td valign="top" width="76%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Description</font></div>
</div>
</td>
</tr><tr>
<td align="left" valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">99.1</font></div>
</td>
<td align="left" valign="top" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">Press Release, dated January 21, 2015, of American Express Company regarding its financial results for the fourth quarter and full year of 2014.</font></font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">99.2</font></div>
</td>
<td align="left" valign="top" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline">2014 Fourth Quarter/ Full Year Earnings Supplement of American Express Company.</font></font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block">-4-</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">
<hr style="COLOR: black" noshade size="2">
&#160;<br>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ex99_1pressrelease.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<html>
<head>
    <title>ex99_1pressrelease.htm</title>
    <!--Licensed to: AMerican Express-->
    <!--Document Created using EDGARizer 2020 5.4.6.0-->
    <!--Copyright 1995 - 2014 Thomson Reuters. All rights reserved.-->
</head>
<body bgcolor="#ffffff" text="#000000" style="DISPLAY: inline; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
<div style="TEXT-ALIGN: right"><font style="FONT-WEIGHT: bold">EXHIBIT 99.1</font></div>

<div style="TEXT-ALIGN: right">&#160;</div>

<div>
<hr style="BORDER-BOTTOM: black 1px solid; TEXT-ALIGN: center; BACKGROUND-COLOR: #ffffff; HEIGHT: 10px; COLOR: #ffffff; MARGIN-LEFT: auto; BORDER-TOP: black 4px solid; MARGIN-RIGHT: auto" align="center">
</div>

<div style="TEXT-ALIGN: right; TEXT-INDENT: 192.15pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div>&#160;</div>

<div><img src="logo1.jpg" alt=""></div>

<div>&#160;</div>

<div>&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: Arial; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="FONT-VARIANT: normal; FONT-STYLE: normal; FONT-FAMILY: Arial; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FOR IMMEDIATE RELEASE</font></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: Arial; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: Arial; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="FONT-FAMILY: 'Times New Roman', Times, serif">Media Contacts:</font></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: normal; FONT-FAMILY: Arial; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><font style="FONT-FAMILY: 'Times New Roman', Times, serif">Marina H. Norville, <font style="FONT-SIZE: 10pt; TEXT-DECORATION: underline">marina.h.norville@aexp.com</font>, +1.212.640.2832</font></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: normal; FONT-FAMILY: Arial; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><font style="FONT-VARIANT: normal; FONT-STYLE: normal; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: normal">Mike O&#8217;Neill, <font style="TEXT-DECORATION: underline">mike.o&#8217;neill@aexp.com</font>, +1.212.640.5951</font></div>

<div style="FONT-FAMILY: Arial"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: Arial; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><font style="FONT-STYLE: italic; FONT-SIZE: 10pt">Investors/Analysts Contacts</font>:</font></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: normal; FONT-FAMILY: Arial; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><font style="FONT-FAMILY: 'Times New Roman', Times, serif">Ken Paukowits,<font style="FONT-SIZE: 10pt">&#160;</font><font style="FONT-SIZE: 10pt; TEXT-DECORATION: underline">ken.f.paukowits@aexp.com</font> , +1.212.640.6348</font></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: normal; FONT-FAMILY: Arial; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><font style="FONT-FAMILY: 'Times New Roman', Times, serif">Rick Petrino, <font style="FONT-SIZE: 10pt; TEXT-DECORATION: underline">richard.petrino@aexp.com</font>, +1.212.640.5574</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
</div>

<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">AMERICAN EXPRESS EPS UP 15% FOR THE QUARTER; 14% FOR FULL YEAR</font></div>

<div>
<div>&#160;</div>

<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">CARD MEMBER SPENDING AND LOANS RISE</font></div>

<div>&#160;</div>

<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">INVESTMENT GAIN USED FOR BUSINESS BUILDING</font></div>

<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">INITIATIVES AND RESTRUCTURING</font></div>

<div><br>
</div>

<div style="TEXT-ALIGN: center">(Millions, except percentages and per share amounts)<br>
&#160;</div>

<div style="TEXT-ALIGN: center" align="left">
<table cellpadding="0" cellspacing="0" id="8777a0f05ef7454491d49b3777df703d" width="100%" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Quarters Ended</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">December 31,</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Percentage</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Inc/(Dec)</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Years Ended</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">December 31,</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Percentage</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Inc/(Dec)</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2014</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2013</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2014</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2013</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="28%" bgcolor="#cceeff" style="WIDTH: 28%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total Revenues Net of Interest Expense</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9,107</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8,547</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">34,292</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">32,974</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="28%" bgcolor="#ffffff" style="WIDTH: 28%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net Income</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,447</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,308</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">11%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5,885</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5,359</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">10%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="28%" bgcolor="#cceeff" style="WIDTH: 28%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Earnings Per Common Share &#8211; Diluted:</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="28%" bgcolor="#ffffff" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; WIDTH: 28%; MARGIN-LEFT: 0pt; VERTICAL-ALIGN: top; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 6.65pt; FONT-SIZE: 10pt">Net Income Attributable to Common Shareholders<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">1</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.39</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.21</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">15%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5.56</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4.88</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">14%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%" bgcolor="#cceeff" style="WIDTH: 28%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Average Diluted Common Shares Outstanding</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,033</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,073</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(4)%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,051</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,089</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(4)%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="28%" bgcolor="#ffffff" style="WIDTH: 28%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Return on Average Equity</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">29.1%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">27.8%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">29.1%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">27.8%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: center">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">New York &#8211; January 21, 2015</font><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#8211; American Express Company (NYSE: AXP) </font>today reported fourth-quarter net income of $1.4 billion, up 11 percent from $1.3 billion a year ago. Diluted earnings per share rose 15 percent to $1.39, from $1.21 a year ago.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 10%; HEIGHT: 2px; COLOR: #000000; MARGIN-LEFT: 0px; MARGIN-RIGHT: auto" noshade>
<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">1</font> Represents net income less earnings allocated to participating share awards of $11 million for both the three months ended December 31, 2014 and 2013, and $46<font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"> </font>million and $47 million for the twelve months ended December 31, 2014 and 2013, respectively.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-1-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Fourth-quarter consolidated total revenues net of interest expense rose to $9.1 billion from $8.5 billion a year ago, up 7 percent (9 percent when adjusted for foreign currency translations<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font>). The revenue increase primarily reflected the previously reported gain of $719 million ($453 million after-tax) on the sale of the company&#8217;s investment in Concur Technologies. The increase also reflected a rise in Card Member spending and higher net interest income. Last year&#8217;s fourth quarter included revenue from the company&#8217;s business travel operations, which were deconsolidated as a result of the joint venture transaction that closed on June 30, 2014.</div>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Consolidated provisions for losses totaled $582 million, up 22 percent from $479 million a year ago. The increase primarily reflected a build in reserves this quarter compared to a reserve release last year. Credit indicators continued to be at historically strong levels.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Consolidated expenses totaled $6.3 billion, up 3 percent (6 percent FX adjusted<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font>) from $6.1 billion a year ago. As indicated last quarter, the company used a substantial portion of the Concur gain for:</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="06e177bc4efb4998a5f7be57b6be8973" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 36pt; VERTICAL-ALIGN: top; ALIGN: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: symbol, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#183;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Companywide initiatives to improve operating efficiencies, which entailed a restructuring charge of $313 million ($206 million after-tax);</div>
</td>
</tr></table>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="9051828454d84bb88f37c60f85e3718b" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 36pt; VERTICAL-ALIGN: top; ALIGN: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: symbol, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#183;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Incremental investments in growth initiatives, which were largely reflected in higher marketing and promotion expenses; and</div>
</td>
</tr></table>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="2604b1a77a284bd58c1f16ebc367d1f5" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 36pt; VERTICAL-ALIGN: top; ALIGN: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: symbol, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#183;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">The renewal of the company&#8217;s partnership with Delta Air Lines, which created additional rewards costs of $109 million ($68 million after-tax).</div>
</td>
</tr></table>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">In addition, fourth-quarter results were negatively affected by the impact of foreign currency translations on international operations.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">The effective tax rate for the quarter </font>was 35 percent, up from 34 percent from a year ago, <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">driven by the geographic mix of earnings and the resolution of certain prior years&#8217; items.</font></div>

<div style="TEXT-ALIGN: left"><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">The company's return on average equity (ROE) was 29.1 percent, up from 27.8 percent a year ago.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">For the full year, the company reported net income of $5.9 billion, up 10 percent from $5.4 billion a year ago. Diluted earnings per share rose 14 percent to $5.56 from $4.88 a year ago.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Revenues net of interest expense for the full year increased 4 percent (5 percent FX adjusted<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font>) to $34.3 billion from $33.0 billion a year ago. Consolidated expenses remained unchanged from 2013 at $23.3 billion. Adjusted for foreign currency translations<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font>, consolidated expenses were up 1 percent.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#8220;Solid results this quarter reflected the underlying themes that have characterized our performance throughout 2014: higher Card Member spending, increased loan balances, tight control of operating expenses and a substantial return of capital to shareholders through share repurchases,&#8221; said Kenneth I. Chenault, chairman and chief executive officer.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#8220;Fourth-quarter Card Member spending rose 6 percent (8 percent FX adjusted). Volumes for the year crossed the trillion dollar mark for the first time, reflecting the progress we&#8217;ve made in building customer loyalty, adding new cards and expanding the network of merchants who accept our products. Loan balances were up 7 percent in the U.S., continuing&#160; the progress we&#8217;ve made throughout 2014. We continue to see opportunities to grow this portfolio with existing and new customers without significantly changing the overall&#160;risk profile of the company.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt">
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 10%; HEIGHT: 2px; COLOR: #000000; MARGIN-LEFT: 0px; MARGIN-RIGHT: auto" noshade>
<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font> &#160;As reported in this release, FX adjusted information, which constitute non-GAAP financial measures, assumes a constant exchange rate between the periods being compared for purposes of currency translations into U.S. dollars (i.e., assumes the foreign exchange rates used to determine results for the three months ended December 31, 2014 apply to the period(s) against which such results are being compared). The company believes the presentation of information on an FX adjusted basis is helpful to investors by making it easier to compare the company&#8217;s performance in one period to that of another period without the variability caused by fluctuations in currency exchange rates.</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-2-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left">&#160;</div>

<div style="TEXT-ALIGN: left">&#8220;Tight controls on the cost side of the ledger continued to give us the flexibility to invest in growth opportunities. And, as in the second quarter, a substantial gain allowed us to accelerate some critical initiatives: reengineering to make American Express more efficient; renewing a key partner relationship; and making additional investments to grow our business and drive innovation in the world of payments and commerce.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#8220;We&#8217;ve made very good progress against the backdrop of an uneven global economy and the negative impact of a strengthening U.S. dollar. We see many opportunities for growth, but at the same time, we face competitive and regulatory challenges. Our aim is to continue to capitalize on the opportunities while dealing&#160;with the challenges as we enter 2015.&#8221;</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment Results</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">U.S. Card Services </font>reported fourth-quarter net income of $665 million, down 23 percent from $864 million a year ago.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Total revenues net of interest expense increased 5 percent to $4.6 billion from $4.4 billion a year ago. The increase reflected an 8 percent rise in Card Member spending and higher net interest income.</div>

<div style="TEXT-ALIGN: left"><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Provisions for losses totaled $399 million, up 25 percent from $319 million a year ago. The increase primarily reflected a build in reserves this quarter compared to a reserve release last year.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Total expenses increased 13 percent to $3.1 billion from $2.8 billion a year ago. The increase reflected a substantial portion of the initiatives related to the Concur gain and were reflected in higher rewards, marketing and operating expenses<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">3</font>.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">The effective tax rate was 39 percent compared to 33 percent a year ago, reflecting the impact of certain prior years&#8217; tax items.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">International Card Services</font> reported fourth-quarter net income of $33 million, down 68 percent from $103 million a year ago.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Total revenues net of interest expense decreased 5 percent (up 3 percent FX adusted<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font>) to $1.4 billion.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Provisions for losses totaled $95 million, down 14 percent from $110 million a year ago. The decrease reflected a small reserve release in the current quarter compared with a reserve build a year ago.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Total expenses increased 4 percent (10 percent FX adjusted<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font>) to $1.3 billion. The increase primarily reflected higher operating expenses, which included a portion of the restructuring charge, partially offset by a decrease in rewards costs.</div>

<div>&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 10%; HEIGHT: 2px; COLOR: #000000; MARGIN-LEFT: 0px; MARGIN-RIGHT: auto" noshade>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">3</font> Operating expenses represent salaries and employee benefits, professional services, occupancy and equipment, communications and other, net.</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-3-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: normal">Taxes for the quarter reflected the level of pretax income in combination with recurring permanent tax benefits.</font></div>
</div>

<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Commercial Services </font>reported fourth-quarter net income of $594 million, up from $182 million a year ago. The increase reflected the previously mentioned gain on the sale of the company&#8217;s investment in Concur Technologies. Year-ago results included earnings from the company&#8217;s business travel operations, which were deconsolidated as a result of the joint venture transaction referred to above. The company&#8217;s proportional share of the joint venture&#8217;s net income is now reported in Other Revenues.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Total revenues net of interest expense increased 28 percent (32 percent FX adjusted<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font>) to $1.6 billion from $1.2 billion. The increase primarily reflected the previously mentioned Concur gain, partially offset by business travel revenues that were in the year-ago quarter.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Provisions for losses totaled $50 million, up from $36 million a year ago.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Total expenses decreased 36 percent (34 percent FX adjusted<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font>) to $586 million from $915 million a year ago. Excluding business travel expenses, fourth quarter adjusted expenses increased 6 percent compared to the year-ago period.<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">4</font></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Network &amp; Merchant Services </font>reported fourth-quarter net income of $417 million, up 5 percent from $399 million a year ago.</div>

<div style="TEXT-ALIGN: left"><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Total revenues net of interest expense increased 2 percent (6 percent FX adjusted<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font>) to $1.5 billion. The increase primarily reflected higher merchant-related revenues driven by an increase in global Card Member spending.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Provisions for losses totaled $35 million, up from $14 million a year ago, reflecting a reserve build in the current period.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Total expenses decreased 4 percent to $772 million (1 percent FX adjusted<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font>) from $801 million a year ago. The decrease reflected merchant litigation settlement expenses a year ago, partially offset by higher marketing and promotion costs in the current quarter.</div>

<div style="TEXT-ALIGN: left"><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Corporate and Other </font>reported fourth-quarter net loss of $262<font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</font>million, compared with net loss of $240 million in the year-ago period. The current quarter included a portion of the previously mentioned restructuring charge.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"># # #</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">About American Express</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">American Express is a global services company, providing customers with access to products, insights and experiences that enrich lives and build business success. Learn more at <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">americanexpress.com</font></font> and connect with us on <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">facebook.com/americanexpress</font></font>, <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">foursquare.com/americanexpress</font></font>, <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">linkedin.com/companies/american-express</font></font>, <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">twitter.com/americanexpress</font></font>, and <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">youtube.com/americanexpress</font></font>.</div>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">4</font> The adjusted expense growth rate for Global Commercial Services is a non-GAAP measure. Management believes this metric is useful in evaluating the ongoing operating performance of the company. See Appendix V in the selected statistical tables for a reconciliation to total expenses for Global Commercial Services on a GAAP basis.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-4-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Key links to products and services: <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">charge and credit cards</font></font>, <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">business credit cards</font></font>, <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">travel services</font></font>, <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">gift cards</font></font>, <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">prepaid cards</font></font>, <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">merchant services</font></font>, <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">corporate card</font></font><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"> and </font><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">business travel</font></font></div>

<br>
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">The 2014 Fourth Quarter/Full Year Earnings Supplement will be available today on the American Express website at http://ir.americanexpress.com. An investor conference call will be held at 5:00 p.m. (ET) today to discuss fourth-quarter earnings results. Live audio and presentation slides for the investor<font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"> conference call will be available to the general public at the same website. A replay of the conference call will be available later today at the same website address.</font></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">This release includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the company&#8217;s expected business and financial performance and are subject to risks and uncertainties. Actual results may differ from those set forth in the forward-looking statements due to a variety of factors, including those contained in the company's Annual Report on Form 10-K for the year ended December 31, 2013, its Quarterly Reports on Form 10-Q for the quarters ended March 31, 2014, June 30, 2014 and September 30, 2014 and the company&#8217;s other filings with the Securities and Exchange Commission. 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. The company undertakes no obligation to update or revise any forward-looking statements.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-5-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>
</div>
</div>
</div>
</div>

<div>&#160;</div>

<div>
<div style="TEXT-ALIGN: right"><font style="FONT-WEIGHT: bold">&#160; </font></div>

<div>
<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><a name="range!a1:v198"><!--efplaceholder--></a>American Express Company</font></div>
</td>
<td align="right" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Preliminary)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Consolidated Statements of Income</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Millions, except percentages and per share amounts)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" width="43%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Quarters Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Years Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Sep 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Jun 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mar 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31,</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Revenues</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Non-interest revenues</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Discount revenue</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,987</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,915</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,945</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,646</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,869</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19,493</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18,695</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net card fees</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">671</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">680</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">687</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">674</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">673</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,712</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,631</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Travel commissions and fees</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">91</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">104</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">500</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">423</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">491</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(81</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,118</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,913</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(42</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other commissions and fees</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">624</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">642</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">624</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">618</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">626</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,508</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,414</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,310</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">593</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">585</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">501</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">569</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,989</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,274</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">31</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total non-interest revenues</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">7,683</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">6,934</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">7,341</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">6,862</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">7,228</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">28,820</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">27,927</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest income</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest on loans</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,769</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,753</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,696</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,711</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,715</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,929</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,718</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest and dividends on investment securities</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">43</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">48</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">179</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">201</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Deposits with banks and other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">17</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">17</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">18</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">19</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">19</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">71</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">86</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(17</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total interest income</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,829</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,815</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,759</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,776</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,782</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">7,179</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">7,005</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest expense</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Deposits</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">91</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">91</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">94</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">110</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">373</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">442</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Long-term debt and other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">308</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">329</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">352</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">345</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">353</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,334</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,516</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">405</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">420</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">443</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">439</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">463</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,707</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,958</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,424</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,395</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,316</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,337</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,319</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,472</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,047</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total revenues net of interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">9,107</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,329</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,657</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,199</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,547</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">34,292</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">32,974</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Provisions for losses</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Charge card</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">198</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">196</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">183</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">215</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">174</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">792</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">648</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card Member loans</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">341</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">265</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">282</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">250</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">290</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,138</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,115</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">43</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">27</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">24</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">20</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">15</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">114</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">69</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">65</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total provisions for losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">582</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">488</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">489</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">485</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">479</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,044</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,832</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total revenues net of interest expense after provisions for losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,525</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">7,841</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,168</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">7,714</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,068</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">32,248</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">31,142</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Expenses</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Marketing and promotion</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">913</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">809</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">985</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">613</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">809</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,320</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,043</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card Member rewards</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,881</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,695</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,773</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,582</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,717</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,931</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,457</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card Member services and other</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">203</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">205</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">192</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">222</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">188</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">822</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">767</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Salaries and employee benefits</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,607</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,290</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,658</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,540</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,489</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,095</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,191</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Professional services</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">768</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">731</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">817</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">692</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">830</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,008</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,102</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Occupancy and equipment</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">446</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">432</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">467</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">462</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">510</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,807</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,904</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Communications</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">98</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">91</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">101</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">93</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">383</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">379</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other, net</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">384</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">342</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(137</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">302</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">448</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">891</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,411</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(37</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">6,300</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,595</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,856</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,506</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">6,088</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">23,257</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">23,254</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Pretax income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,225</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,246</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,312</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,208</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,980</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,991</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,888</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Income tax provision</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">778</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">769</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">783</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">776</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">672</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">3,106</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,529</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net income</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,447</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,477</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,529</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,432</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,308</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,885</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,359</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net income attributable to common shareholders (A)</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,436</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,466</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,517</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,420</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,297</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,839</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,312</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Effective tax rate</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">33.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">33.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Earnings Per Common Share</font></font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">BASIC</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net income attributable to common shareholders</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1.40</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1.41</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1.44</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1.34</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1.22</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5.58</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4.91</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average common shares outstanding</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,028</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,041</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,052</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,060</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,067</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,045</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,082</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DILUTED</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net income attributable to common shareholders</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1.39</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1.40</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1.43</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1.33</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1.21</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5.56</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4.88</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average common shares outstanding</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,033</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,047</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,058</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,067</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,073</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,051</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,089</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash dividends declared per common share</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">0.26</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">0.26</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">0.26</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">0.23</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">0.23</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1.01</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">0.89</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"># - Denotes a variance of more than 100 percent.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-6-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<br>
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">American Express Company</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Condensed Consolidated Balance Sheets</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Billions, except percentages, per share amounts and where indicated)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Quarters Ended</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Sep 30,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Jun 30,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mar 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" nowrap valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td align="left" valign="bottom">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Assets</font></div>
</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash &amp; cash equivalents</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Accounts receivable</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">47</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">47</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">49</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">47</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">47</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment securities</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">70</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">66</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">66</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">63</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">67</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other assets</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">16</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">15</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">14</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">15</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">15</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total assets</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">159</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">154</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">152</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">151</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">153</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="28%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Liabilities and Shareholders' Equity</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Customer deposits</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">43</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">43</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Short-term borrowings</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Long-term debt</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">58</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">55</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">54</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">55</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other liabilities</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">33</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">32</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">32</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">31</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">32</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total liabilities</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">138</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">134</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">132</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">131</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">134</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="28%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Shareholders' Equity</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">21</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">20</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">20</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">20</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">19</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total liabilities and shareholders' equity</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">159</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">154</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">152</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">151</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">153</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="28%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Selected Statistical Information</font></font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="28%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average equity (B)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">29.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">27.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average common equity (B)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">29.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">27.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average tangible common equity (B)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Common shares outstanding (millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,023</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,035</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,046</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,059</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,064</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Book value per common share (dollars)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19.54</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19.32</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18.87</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18.32</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Shareholders' equity</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"># - Denotes a variance of more than 100 percent.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-7-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<br>
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">American Express Company</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Financial Summary</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Millions)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" width="43%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Quarters Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Years Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Sep 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Jun 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mar 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31,</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Total revenues net of interest expense</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">U.S. Card Services</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,620</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,527</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,477</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,290</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,388</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">17,914</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16,995</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">International Card Services</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,355</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,394</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,391</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,352</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,429</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,492</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,401</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Commercial Services</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,585</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">900</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,269</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,194</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,238</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,948</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,853</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Network &amp; Merchant Services</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,477</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,450</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,455</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,365</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,447</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,747</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,513</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,037</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,271</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,592</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,201</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,502</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34,101</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32,762</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Corporate &amp; Other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">70</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">58</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">65</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">45</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">191</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">212</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">CONSOLIDATED TOTAL REVENUES NET OF INTEREST EXPENSE</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">9,107</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,329</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,657</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,199</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,547</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">34,292</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">32,974</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Pretax income (loss)</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">U.S. Card Services</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,083</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,411</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,200</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,406</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,292</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,100</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,994</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">International Card Services</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">176</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">69</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">203</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">108</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(99</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">449</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">643</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Commercial Services</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">949</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">309</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">865</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">285</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">287</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,408</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,244</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">94</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Network &amp; Merchant Services</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">670</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">670</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">578</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">702</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">632</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,620</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,469</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,703</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,566</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,712</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,596</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,319</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">17</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10,577</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,350</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Corporate &amp; Other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(478</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(320</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(400</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(388</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(339</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">41</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(1,586</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(1,462</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PRETAX INCOME</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,225</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,246</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,312</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,208</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,980</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,991</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">7,888</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Net income (loss)</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">U.S. Card Services</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">665</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">889</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">770</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">876</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">864</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,200</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,193</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">International Card Services</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">33</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">142</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">77</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">159</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">103</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(68</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">411</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">631</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(35</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Commercial Services</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">594</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">204</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">561</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">184</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">182</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,543</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">860</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">79</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Network &amp; Merchant Services</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">417</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">427</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">373</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">443</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">399</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,660</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,575</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,709</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,662</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,781</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,662</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,548</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,814</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,259</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Corporate &amp; Other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(262</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(185</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(252</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(230</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(240</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(929</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(900</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NET INCOME</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,447</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,477</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,529</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,432</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,308</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,885</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,359</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"># - Denotes a variance of more than 100 percent.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-8-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><a name="range!a1:v71"><!--efplaceholder--></a>American Express Company</font></div>
</td>
<td align="right" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Preliminary)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Selected Statistical Information (continued)</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Billions, except percentages and where indicated)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" width="43%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Quarters Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Years Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Sep 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Jun 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mar 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31,</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card billed business (C):</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">United States</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">182.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">173.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">173.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">159.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">169.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">688.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">637.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outside the United States</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">86.0</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">85.1</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">84.7</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">78.9</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">84.9</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">334.7</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">315.4</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">268.5</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">258.1</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">258.1</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">238.1</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">254.0</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,022.8</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">952.4</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total cards-in-force (D) (millions):</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">United States</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">54.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">54.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">54.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">53.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">53.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">54.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">53.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outside the United States</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">57.3</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">56.6</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">55.8</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">54.7</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">54.1</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">57.3</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">54.1</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">112.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">111.1</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">109.9</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">108.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">107.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">112.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">107.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Basic cards-in-force (D) (millions):</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">United States</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">41.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">41.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">41.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outside the United States</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">47.0</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">46.3</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">45.6</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">44.6</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">44.0</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">47</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">44</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">89.6</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">88.5</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">87.6</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">86.1</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">85.1</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">89.6</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">85.1</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average discount rate (E)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.45%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.49%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.48%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.52%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.48%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.48%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.51%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average basic Card Member spending (dollars) (F)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,377</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,223</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,288</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,991</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,292</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16,884</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16,334</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average fee per card (dollars) (F)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">41</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">41</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average fee per card adjusted (dollars) (F)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Worldwide Card Member receivables:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total receivables</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loss reserves (millions):</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Beginning balance</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">432</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">413</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">414</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">386</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">396</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">386</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">428</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Provisions (G)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">198</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">196</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">183</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">215</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">174</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">792</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">648</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-offs (H)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(156</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(168</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(182</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(177</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(162</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(683</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(669</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other (I)</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(9</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(9</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(10</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(22</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(59</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(30</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(21</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">43</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Ending balance</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">465</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">432</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">413</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">414</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">386</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">465</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">386</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">% of receivables</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-off rate (principal only) - USCS/ICS (J)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-off rate (principal and fees) - USCS/ICS (J)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30 days past due as a % of total - USCS/ICS</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net loss ratio (as a % of charge volume) - GCS</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.08%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.09%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.09%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.09%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.08%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.09%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.08%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">90 days past billing as a % of total - GCS</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Worldwide Card Member loans:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total loans</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">70.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">66.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">66.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">64.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">67.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">70.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">67.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loss reserves (millions):</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Beginning balance</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,146</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,170</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,191</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,261</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,281</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,261</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,471</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Provisions (G)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">341</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">265</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">282</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">250</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">290</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,138</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,115</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-offs - principal (H)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(237</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(245</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(267</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(274</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(253</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1,023</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1,141</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-offs - interest and fees (H)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(42</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(42</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(37</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(164</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(150</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other (I)</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(9</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(4</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">6</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(4</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(20</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(55</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(11</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(34</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(68</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Ending balance</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,201</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,146</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,170</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,191</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,261</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,201</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,261</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Ending reserves - principal</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,149</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,093</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,114</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,135</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,212</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,149</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,212</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Ending reserves - interest and fees</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">52</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">53</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">49</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">52</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">49</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">% of loans</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">% of past due</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">167%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">165%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">171%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">159%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">169%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">167%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">169%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average loans</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">67.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">66.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">65.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">64.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">64.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">66.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">63.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-off rate (principal only) (J)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-off rate (principal, interest and fees) (J)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30 days past due loans as a % of total</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income divided by average loans (K)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest yield on Card Member loans (K)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"># - Denotes a variance of more than 100 percent.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-9-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><a name="range!a1:v65"><!--efplaceholder--></a>U.S. Card Services</font></div>
</td>
<td align="right" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Preliminary)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Selected Income Statement Data</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Millions, except percentages)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" width="43%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Quarters Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Years Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Sep 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Jun 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mar 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31,</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Revenues</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Discount revenue, net card fees and other</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,279</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,214</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,222</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,017</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,132</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,732</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,123</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,490</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,465</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,408</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,423</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,417</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,786</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,565</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">149</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">152</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">153</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">150</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">161</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">604</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">693</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,341</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,313</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,255</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,273</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,256</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,182</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,872</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total revenues net of interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,620</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,527</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,477</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,290</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,388</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">17,914</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">16,995</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Provisions for losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">399</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">316</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">339</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">342</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">319</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,396</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,250</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total revenues net of interest expense after provisions for losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,221</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,211</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,138</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">3,948</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,069</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">16,518</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">15,745</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Expenses</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Marketing, promotion, rewards, Card Member services and other</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,064</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,790</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,865</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,582</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,789</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,301</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,825</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Salaries and employee benefits and other operating expenses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,074</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,010</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,073</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">960</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">988</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,117</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">3,926</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">3,138</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,800</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,938</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,542</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,777</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">11,418</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">10,751</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Pretax segment income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,083</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,411</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,200</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,406</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,292</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,100</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,994</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Income tax provision</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">418</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">522</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">430</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">530</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">428</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,900</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,801</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment income</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">665</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">889</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">770</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">876</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">864</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">3,200</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">3,193</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Effective tax rate</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">38.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">33.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Selected Statistical Information</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Billions, except percentages and where indicated)</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card billed business</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">145.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">136.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">136.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">124.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">134.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">542.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">501.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total cards-in-force (millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">43.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">43.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Basic cards-in-force (millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">33.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">33.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average basic Card Member spending (dollars)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,281</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,069</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,133</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,805</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,138</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16,294</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15,689</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">U.S. Consumer Travel:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Travel sales (millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">817</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">956</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,027</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">974</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">865</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,774</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,967</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Travel commissions and fees/sales</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total segment assets</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">113.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">103.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">101.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">98.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">103.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">113.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">103.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment capital (M)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average segment capital (N)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average tangible segment capital (N)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">33.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">33.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card Member receivables:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total receivables</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30 days past due as a % of total</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average receivables</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-off rate (principal only) (J)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-off rate (principal and fees) (J)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card Member loans:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total loans</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">62.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">58.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">57.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">55.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">58.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">62.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">58.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30 days past due loans as a % of total</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average loans</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">59.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">58.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">55.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">57.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">54.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-off rate (principal only) (J)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-off rate (principal, interest and fees) (J)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income divided by average loans (O)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest yield on Card Member loans (O)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#- Denotes a variance of more than 100 percent.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-10-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">International Card Services</font></div>
</td>
<td align="right" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Preliminary)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Selected Income Statement Data</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Millions, except percentages)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" width="43%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Quarters Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Years Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Sep 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Jun 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mar 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31,</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Revenues</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Discount revenue, net card fees and other</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,166</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,206</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,208</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,157</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,229</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,737</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,644</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">260</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">273</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">275</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">277</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">288</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,085</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,118</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">71</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">85</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">92</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">82</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">88</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(19</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">330</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">361</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">189</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">188</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">183</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">195</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">200</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">755</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">757</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total revenues net of interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,355</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,394</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,391</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,352</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,429</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,492</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,401</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Provisions for losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">95</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">98</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">90</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">87</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">110</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">370</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">388</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total revenues net of interest expense after provisions for losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,260</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,296</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,301</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,265</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,319</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,122</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,013</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Expenses</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Marketing, promotion, rewards, Card Member services and other</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">555</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">532</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">577</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">496</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">585</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,160</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,013</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Salaries and employee benefits and other operating expenses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">704</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">588</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">655</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">566</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">626</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,513</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,357</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,259</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,120</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,232</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,062</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,211</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,673</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,370</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Pretax segment income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">176</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">69</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">203</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">108</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(99</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">449</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">643</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Income tax provision/(benefit)</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(32</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">34</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(8</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">44</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">38</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">12</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment income</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">33</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">142</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">77</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">159</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">103</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(68</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">411</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">631</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(35</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Effective tax rate</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-11.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Selected Statistical Information</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Billions, except percentages and where indicated)</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card billed business</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">33.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">31.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">133.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">131.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total cards-in-force (millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Basic cards-in-force (millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average basic Card Member spending (dollars)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,109</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,100</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,137</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,942</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,336</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,297</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,429</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">International Consumer Travel:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Travel sales (millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">353</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">362</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">354</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">353</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">367</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,422</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,420</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Travel commissions and fees/sales</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total segment assets</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">31.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">31.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">31.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">31.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment capital (M)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average segment capital (N)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average tangible segment capital (N)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">24.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">38.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">24.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">38.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card Member receivables:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total receivables</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30 days past billing as a % of total</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-off rate (principal only) (J)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-off rate (principal and fees) (J)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">90 days past billing as a % of total</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net loss ratio (as a % of charge volume)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.19%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(L)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.20%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card Member loans:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total loans</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30 days past due loans as a % of total</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average loans</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-off rate (principal only) (J)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net write-off rate (principal, interest and fees) (J)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income divided by average loans (O)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest yield on Card Member loans (O)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"># - Denotes a variance of more than 100 percent.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-11-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><a name="range!a1:v54"><!--efplaceholder--></a>Global Commercial Services</font></div>
</td>
<td align="right" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Preliminary)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Selected Income Statement Data</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Millions, except percentages)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" width="43%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Quarters Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Years Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Sep 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Jun 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mar 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31,</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Revenues</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Discount revenue, net card fees and other</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,635</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">957</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,332</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,249</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,298</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">26</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,173</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,085</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">54</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">61</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">66</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">59</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">64</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">240</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">245</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(50</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(57</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(63</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(55</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(60</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(17</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(225</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(232</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total revenues net of interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,585</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">900</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,269</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,194</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,238</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,948</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,853</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Provisions for losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">50</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">49</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">43</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">38</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">36</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">180</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">129</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total revenues net of interest expense after provisions for losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,535</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">851</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,226</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,156</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,202</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,768</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,724</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Expenses</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Marketing, promotion, rewards, Card Member services and other</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">178</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">161</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">177</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">166</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">162</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">682</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">604</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Salaries and employee benefits and other operating expenses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">408</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">381</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">184</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">705</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">753</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,678</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,876</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(42</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">586</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">542</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">361</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">871</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">915</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(36</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,360</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">3,480</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(32</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Pretax segment income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">949</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">309</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">865</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">285</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">287</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,408</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,244</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">94</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Income tax provision</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">355</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">105</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">304</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">101</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">105</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">865</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">384</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment income</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">594</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">204</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">561</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">184</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">182</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,543</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">860</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">79</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Effective tax rate</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Selected Statistical Information</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Billions, except percentages and where indicated)</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card billed business</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">47.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">46.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">47.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">186.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">175.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total cards-in-force (millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Basic cards-in-force (millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average basic Card Member spending (dollars)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,817</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,691</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,781</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,429</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,361</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">26,706</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">24,924</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Corporate Travel:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Travel sales (millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">80</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,882</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,698</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,793</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(99</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,688</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18,869</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(49</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Travel commissions and fees/sales</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total segment assets</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment capital (M)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average segment capital (N)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">40.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">23.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">23.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">40.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">23.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average tangible segment capital (N)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">74.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">60.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">74.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card Member receivables:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total receivables</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">90 days past billing as a % of total</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net loss ratio (as a % of charge volume)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.08%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.09%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.09%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.09%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.08%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.09%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.08%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"># - Denotes a variance of more than 100 percent.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-12-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><a name="range!a1:v44"><!--efplaceholder--></a>Global Network &amp; Merchant Services</font></div>
</td>
<td align="right" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Preliminary)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><a name="RANGE!A2:L43"><!--EFPlaceholder--></a><font style="DISPLAY: inline; TEXT-DECORATION: underline">Selected Income Statement Data</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Millions, except percentages)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" width="43%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Quarters Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Years Ended</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">% Change</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Sep 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Jun 30,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mar 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31,</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" nowrap valign="bottom" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Revenues</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td colspan="2" valign="bottom" width="7%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Discount revenue, fees and other</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,399</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,368</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,366</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,293</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,373</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,426</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,229</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">17</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">89</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">52</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">63</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(61</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(68</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(78</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(62</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(65</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(269</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(252</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">78</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">82</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">89</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">72</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">74</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">321</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">284</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total revenues net of interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,477</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,450</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,455</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,365</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,447</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,747</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,513</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Provisions for losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">35</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">24</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">18</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">16</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">14</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">#</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">93</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">67</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total revenues net of interest expense after provisions for losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,442</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,426</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,437</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,349</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,433</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,654</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,446</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Expenses</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Marketing, promotion, rewards, Card Member services and other</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">185</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">201</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">277</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">156</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">158</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">17</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">819</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">704</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Salaries and employee benefits and other operating expenses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">587</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">555</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">582</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">491</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">643</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,215</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,273</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">772</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">756</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">859</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">647</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">801</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">3,034</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,977</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Pretax segment income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">670</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">670</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">578</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">702</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">632</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,620</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,469</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Income tax provision</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">253</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">243</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">205</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">259</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">233</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">960</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">894</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment income</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">417</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">427</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">373</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">443</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">399</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,660</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,575</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Effective tax rate</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Selected Statistical Information</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Billions, except percentages and where indicated)</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Card billed business (P)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">268.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">258.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">258.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">238.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">254.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,022.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">952.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Network &amp; Merchant Services:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total segment assets</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">17.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">17.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment capital (M)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average segment capital (N)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">84.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">82.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">79.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">81.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">76.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">84.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">76.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average tangible segment capital (N)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">92.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">91.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">87.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">89.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">84.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">92.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">84.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="19%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Network Services:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Card billed business</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">41.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">40.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">39.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">160.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">144.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total cards-in-force (millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">43.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">41.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">40.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">40.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="6%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"># - Denotes a variance of more than 100 percent.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-13-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">
<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><a name="range!a1:k32"><!--efplaceholder--></a>American Express Company</font></div>
</td>
<td align="right" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Preliminary)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Components of Return on Average Equity (ROE), Return on Average Common Equity (ROCE), and Return on Average Tangible Common Equity (ROTCE)</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Appendix I</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Millions, except percentages)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">For the Twelve Months Ended</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Sep 30,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Jun 30,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mar 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td align="left" valign="bottom">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">ROE</font></font></div>
</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,885</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,746</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,635</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,511</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,359</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average shareholders' equity</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20,254</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19,948</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19,591</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19,442</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19,254</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average equity (Q)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">29.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">27.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="40%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Reconciliation of ROCE and ROTCE</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,885</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,746</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,635</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,511</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,359</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Preferred shares dividends and related accretion</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Earnings allocated to participating share awards and other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">46</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">46</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">47</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">48</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">47</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net income attributable to common shareholders</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,839</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,700</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,588</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,463</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,312</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="40%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average shareholders' equity</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20,254</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19,948</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19,591</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19,442</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19,254</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average preferred shares</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">114</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average common shareholders' equity</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">20,140</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">19,948</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">19,591</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">19,442</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">19,254</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average goodwill and other intangibles</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">3,888</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">3,941</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">3,994</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,012</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,055</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average tangible common shareholders' equity</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">16,252</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">16,007</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">15,597</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">15,430</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">15,199</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average common equity (Q)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">29.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">27.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average tangible common equity (R)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr></table>
</div>
</div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-14-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><a name="range!a1:k42"><!--efplaceholder--></a>American Express Company</font></div>
</td>
<td align="right" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Preliminary)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Components of Return on Average Segment Capital (ROSC) and Return on Average Tangible Segment Capital (ROTSC)</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Appendix II</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Millions, except percentages)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">For the Twelve Months Ended</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Sep 30,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Jun 30,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mar 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td align="left" valign="bottom">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">U.S. Card Services</font></font></div>
</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,200</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,399</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,292</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,265</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,193</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average segment capital</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,843</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,580</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,337</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,180</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,974</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average goodwill and other intangibles</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">319</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">299</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">311</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">323</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">334</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average tangible segment capital</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">9,524</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">9,281</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">9,026</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,857</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,640</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average segment capital (S)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average tangible segment capital (S)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">33.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="40%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">International Card Services</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">411</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">481</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">481</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">612</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">631</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average segment capital</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,020</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,043</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,063</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,053</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,024</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average goodwill and other intangibles</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,350</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,376</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,394</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,389</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,396</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average tangible segment capital</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,670</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,667</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,669</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,664</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,628</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average segment capital (S)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average tangible segment capital (S)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">24.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">38.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="40%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Global Commercial Services</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,543</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,131</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,188</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">853</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">860</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average segment capital</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,771</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,736</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,707</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,679</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,647</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average goodwill and other intangibles</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,696</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,715</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,736</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,759</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,768</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average tangible segment capital</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,075</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,021</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,971</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,920</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,879</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average segment capital (S)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">40.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">23.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">23.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average tangible segment capital (S)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">74.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">60.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="40%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Global Network &amp; Merchant Services</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segment income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,660</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,642</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,606</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,645</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,575</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average segment capital</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,976</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,989</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,022</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,026</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,050</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average goodwill and other intangibles</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">189</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">190</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">192</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">193</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">195</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average tangible segment capital</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,787</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,799</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,830</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,833</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,855</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average segment capital (S)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">84.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">82.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">79.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">81.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">76.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Return on average tangible segment capital (S)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">92.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">91.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">87.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">89.7%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">84.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-15-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><a name="range!a1:k34"><!--efplaceholder--></a>American Express Company</font></div>
</td>
<td align="right" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Preliminary)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Net Interest Yield on Card Member Loans</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Appendix III</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Millions, except percentages and where indicated)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Quarters Ended</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Sep 30,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Jun 30,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mar 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,424</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,395</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,316</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,337</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,319</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exclude:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest expense not attributable to the Company's Card Member loan portfolio</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">250</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">247</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">259</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">263</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">279</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest income not attributable to the Company's Card Member loan portfolio</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(92</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(90</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(89</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(88</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(91</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="40%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Adjusted net interest income (T)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,582</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,552</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,486</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,512</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,507</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="40%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average loans (billions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">67.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">66.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">65.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">64.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">64.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exclude:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unamortized deferred card fees, net of direct acquisition costs of Card Member loans, and other (billions)</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(0.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(0.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(0.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(0.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(0.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="40%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Adjusted average loans (billions) (U)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">67.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">66.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">65.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">64.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">64.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="40%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income divided by average loans (V)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest yield on Card Member loans (W)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-16-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><a name="range!a1:k65"><!--efplaceholder--></a>U.S. Card Services and International Card Services</font></div>
</td>
<td align="right" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Preliminary)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Net Interest Yield on Card Member Loans</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Appendix IV</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Millions, except percentages and where indicated)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Quarters Ended</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Sep 30,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Jun 30,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mar 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td align="left" valign="bottom">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">USCS:</font></font></div>
</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,341</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,313</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,255</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,273</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,256</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exclude:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest expense not attributable to the Company's Card Member loan portfolio</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">43</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest income not attributable to the Company's Card Member loan portfolio</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(3</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(3</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(3</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(3</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="40%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Adjusted net interest income (T)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,377</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,349</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,292</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,309</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,297</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average loans (billions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">59.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">58.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">55.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exclude:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unamortized deferred card fees, net of direct acquisition costs of Card Member loans (billions)</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">0.1</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Adjusted average loans (billions) (U)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">59.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">58.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">55.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income divided by average loans (V)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest yield on Card Member loans (W)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.4%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.2%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="40%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">ICS:</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">189</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">188</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">183</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">195</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">200</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exclude:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest expense not attributable to the Company's Card Member loan portfolio</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">26</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">24</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest income not attributable to the Company's Card Member loan portfolio</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(9</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(10</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(10</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(10</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(11</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="40%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Adjusted net interest income (T)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">206</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">202</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">194</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">203</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">210</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average loans (billions)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exclude:</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unamortized deferred card fees, net of direct acquisition costs of Card Member loans, and other (billions)</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(0.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(0.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(0.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(0.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">(0.2</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Adjusted average loans (billions) (U)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income divided by average loans (V)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.8%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest yield on Card Member loans (W)</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.5%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.9%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.6%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.1%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.0%</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-17-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><a name="range!a1:p34"><!--efplaceholder--></a>American Express Company</font></div>
</td>
<td align="right" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Preliminary)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Revenue and Expense Reconciliation</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Appendix V</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Millions, except percentages)</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Quarters Ended</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">% Change</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Twelve Months Ended</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">% Change</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" nowrap valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" nowrap valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dec 31, 2014 vs.</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">31-Dec-13</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2013</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Dec 31, 2013</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td align="left" valign="bottom">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Consolidated:</font></font></div>
</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom">&#160;</td>
<td colspan="2" valign="bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Reported total revenues net of interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,107</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,547</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34,292</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32,974</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Global Business Travel ("GBT") revenues net of interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">405</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">801</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Adjusted total revenues net of interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">9,107</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">8,142</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">34,292</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">32,173</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FX and GBT adjusted total revenues net of interest expense (X)</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,961</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">31,832</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="28%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Reported total expenses</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,300</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,088</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">23,257</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">23,254</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">GBT expenses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">362</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">698</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Adjusted total expenses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">6,300</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">5,726</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">23,257</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">22,556</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FX and GBT adjusted total expenses (X)</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,608</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22,371</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="28%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Global Commercial Services:</font></font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="28%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Reported total revenues net of interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,585</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,238</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,948</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,853</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">GBT revenues net of interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">405</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">801</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Adjusted total revenues net of interest expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">1,585</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">833</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">90</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,948</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4,052</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FX and GBT adjusted total revenues net of interest expense (X)</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">813</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">95</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,018</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="28%">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Reported total expenses</font></div>
</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">586</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">915</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(36</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,360</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,480</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(32</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">GBT expenses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">362</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">-</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">698</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Adjusted total expenses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">586</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">553</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,360</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">2,782</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px">&#160;</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FX and GBT adjusted total expenses (X)</font></div>
</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">542</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,767</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Note: Full-year GBT revenues and expenses represent operating performance as reported in Q3&#8217;13 and Q4'13. Adjustments do not include other Global Business Travel-related items, including equity earnings from the joint venture and impacts related to a transition services agreement that will phase out over time.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160; </font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-18-</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">
<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td align="left" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><a name="range!a1:o28"><!--efplaceholder--></a>Appendix VI</font></div>
</td>
<td valign="bottom" width="50%" style="TEXT-ALIGN: right">
<div style="TEXT-ALIGN: right; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Preliminary)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">All Information in the preceding tables is presented on a basis prepared in accordance with U.S. generally accepted accounting principles (GAAP), unless otherwise indicated. Certain reclassifications of prior period amounts have been made to conform to the current period presentation.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(A)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Represents net income, less earnings allocated to participating share awards of $11 million for the quarter ended December 31, 2014, $11 million for the quarter ended September 30, 2014, $12 million for the quarter ended June 30, 2014, $12 million for the quarter ended March 31, 2014, and $11 million for the quarter ended December 31, 2013.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(B)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Refer to Appendix I for components of return on average equity, return on average common equity and return on average tangible common equity, a non-GAAP measure.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(C)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Card billed business includes activities (including cash advances) related to proprietary cards, cards issued under network partnership agreements (non-proprietary billed business), and certain insurance fees charged on proprietary cards. In-store spend activity within retail co-brand portfolios in Global Network Services, from which the Company earns no revenue, is not included in non-proprietary billed business. Card billed business is reflected in the United States or outside the United States based on where the issuer is located.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(D)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Total cards-in-force represents the number of cards that are issued and outstanding. 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 cards-in-force includes all cards that are issued and outstanding under network partnership agreements, except for retail co-brand Card Member accounts that have no out-of-store spend activity during the prior 12 month period.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(E)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">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 Global Network Services) retained by the Company from merchants it acquires, prior to payments to third parties unrelated to merchant acceptance.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(F)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">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 for these periods was $79 million for the quarter ended December 31, 2014, $77 million for the quarter ended September 30, 2014, $77 million for the quarter ended June 30, 2014, $73 million for the quarter ended March 31, 2014, and $64 million for the quarter ended December 31, 2013. The Company presents adjusted average fee per card because the Company believes this metric presents a useful indicator of card fee pricing across a range of its proprietary card products.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(G)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Provisions for principal (resulting from authorized transactions) and fee reserve components.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(H)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Consists of principal (resulting from authorized transactions), interest and/or fees, less recoveries.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(I)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Beginning in first quarter 2014, reserves related for card-related fraud losses are reflected in Other liabilities. All periods include foreign currency translation adjustments and other items.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(J)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">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's practice is to include uncollectible interest and/or fees as part of its total provision for losses, a net write-off rate including principal, interest and/or fees is also presented.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(K)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">See Appendix III for quarterly calculations of net interest yield on Card Member loans, a non-GAAP measure, and net interest income divided by average loans, a GAAP measure, and the Company's rationale for presenting net interest yield on Card Member loans. For calculations for the twelve months ended December 31, 2014 and 2013, please refer to Annex 3 of the Company&#8217;s 2014 Fourth Quarter/ Full Year Earnings Supplement on file with the Securities and Exchange Commission.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(L)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Historically, net loss ratio as a % of charge volume and 90 days past billings as a % of receivables were presented for ICS and GCS. As a result of system enhancements, beginning in first quarter 2014, 30 days past due as a % of total, net write-off rate (principal only) and net write-off rate (principal and fees) will be presented for ICS.</font></div>
</td>
</tr></table>
</div>
</div>

<div>
<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(M)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Segment capital represents capital allocated to a segment based upon specific business operational needs, risk measures, and regulatory capital requirements.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(N)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Refer to Appendix II for components of return on average segment capital and return on average tangible segment capital, a non-GAAP measure.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(O)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">See Appendix IV for calculations of net interest yield on Card Member loans, a non-GAAP measure, and net interest income divided by average loans, a GAAP measure, and the Company's rationale for presenting net interest yield on Card Member loans.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(P)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Global Card billed business includes activities (including cash advances) related to proprietary cards, cards issued under network partnership agreements (non-proprietary billed business), and certain insurance fees charged on proprietary cards. In-store spend activity within retail co-brand portfolios in Global Network Services, from which the Company earns no revenue, is not included in non-proprietary billed business.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Q)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Return on average equity and return on average common equity are calculated by dividing one year period net income/net income attributable to common shareholders by one year average total shareholders&#8217; equity/average common shareholders' equity, respectively.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(R)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Return on average tangible common equity, a non-GAAP measure, is computed in the same manner as return on average common equity except the computation of average tangible common shareholders' equity, a non-GAAP measure, excludes from average common shareholders' equity, average goodwill and other intangibles. The Company believes that return on average tangible common equity is a useful measure of the profitability of its business.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(S)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Return on average segment capital is calculated by dividing one year period segment income by one year average segment capital. 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 average goodwill and other intangibles. The Company believes that return on average tangible segment capital is a useful measure of the profitability of its business.</font></div>
</td>
</tr></table>
</div>
</div>

<div>
<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(T)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Adjusted net interest income, a non-GAAP measure, represents net interest income allocated to the Company's Card Member loan portfolio excluding the impact of interest expense and interest income not attributable to the Company's Card Member loan portfolio. The Company believes adjusted net interest income is useful to investors because it is a component of net interest yield on Card Member loans.</font></div>
</td>
</tr></table>
</div>
</div>

<div>
<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(U)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Adjusted average loans, a non-GAAP measure, represents average Card Member loans excluding the impact of deferred card fees, net of deferred direct acquisition costs of Card Member loans, and other. The Company believes adjusted average loans is useful to investors because it is a component of net interest yield on Card Member loans.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(V)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">This calculation includes elements of total interest income and total interest expense that are not attributable to the Card Member loan portfolio, and thus is not representative of net interest yield on Card Member loans. The calculation includes interest income and interest expense attributable to investment securities and other interest-bearing deposits as well as to Card Member loans, and interest expense attributable to other activities, including Card Member receivables.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(W)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Net interest yield on Card Member loans, a non-GAAP measure, 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 - Card Member loans; therefore, such reserves and net write-offs are not included in the net interest yield calculation. The Company believes net interest yield on Card Member loans is useful to investors because it provides a measure of profitability of the Company's Card Member loan portfolio.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(X)</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Revenue net of interest expense and total expenses on an FX adjusted basis are a non-GAAP measures. FX adjusted information assumes a constant exchange rate between the periods being compared for purposes of currency translation into U.S. dollars (i.e., assumes Q3&#8217;14 foreign exchange rates apply to Q3'13 results). The Company&#8217;s calculations of non-GAAP measures may differ from the calculations of similarly titled measures of other companies.</font></div>
</td>
</tr></table>
</div>
</div>

<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>
</div>
</div>

<div>&#160;</div>

<div>&#160;</div>

<div style="TEXT-ALIGN: center">-19-

<hr style="COLOR: black" noshade size="2">
&#160;</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>ex99_2supplement.htm
<DESCRIPTION>EXHIBIT 99.2
<TEXT>
<html>
<head>
    <title>ex99_2supplement.htm</title>
    <!--Licensed to: AMerican Express-->
    <!--Document Created using EDGARizer 2020 5.4.6.0-->
    <!--Copyright 1995 - 2014 Thomson Reuters. All rights reserved.-->
</head>
<body bgcolor="#ffffff" text="#000000" style="DISPLAY: inline; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
<div style="TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff; TEXT-INDENT: 9pt; MARGIN-RIGHT: 26.6pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">EXHIBIT 99.2</font></div>

<div style="TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff; TEXT-INDENT: 9pt; MARGIN-RIGHT: 26.6pt">&#160;</div>

<div>
<div>
<hr style="MARGIN-TOP: -5px; COLOR: #000000" noshade size="4">
<hr style="MARGIN-TOP: -10px; COLOR: #000000" noshade size="1">
</div>

<div style="TEXT-ALIGN: right">&#160;</div>

<div><br>
<div style="TEXT-ALIGN: center; BACKGROUND-COLOR: #ffffff; MARGIN-RIGHT: 26.6pt"><img src="logo2.jpg" alt=""></div>

<div style="TEXT-ALIGN: center; BACKGROUND-COLOR: #ffffff; MARGIN-RIGHT: 26.6pt"><br>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 32pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 12.6pt">2014</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 32pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 12.6pt">Fourth Quarter/Full Year</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 32pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 12.6pt">Earnings Supplement</div>
</div>
</div>
</div>

<div><br>
</div>

<div><br>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: justify; BACKGROUND-COLOR: #ffffff; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 4.5pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 12.5pt">The enclosed summary should be read in conjunction with the text and statistical tables included in American Express Company&#8217;s (the &#8220;Company&#8221; or &#8220;AXP&#8221;) Fourth Quarter 2014 Earnings Release.</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div><br>
</div>

<div><br>
</div>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="c0a598d0146e4db8a953f6e54cd6df9c" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; BORDER-LEFT: #000000 2px solid; WIDTH: 100%; VERTICAL-ALIGN: top; BORDER-TOP: #000000 2px solid; BORDER-RIGHT: black 2px solid">
<div style="TEXT-ALIGN: justify; BACKGROUND-COLOR: #ffffff; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 3.6pt">This presentation contains certain forward-looking statements that are subject to risks and uncertainties and speak only as of the date on which they are made. Important factors that could cause actual results to differ materially from these forward-looking statements, including the Company&#8217;s financial and other goals, are set forth on pages 13-14 of this Supplement, in the Company&#8217;s 2013 Annual Report to Shareholders, in its 2013 Annual Report on Form 10-K, in its Quarterly Report on Form 10-Q for the quarters ended March 31, 2014, June 30, 2014 and September 30, 2014 and in other reports on file with the Securities and Exchange Commission. In addition, certain calculations included within this supplement constitute non-GAAP financial measures and may differ from the calculations of similarly titled measures by other companies.</div>
</td>
</tr></table>
</div>

<div>&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER 2014 OVERVIEW</font></div>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FINANCIAL RESULTS</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="013bdbb819174e629fa624241d16c41f" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">&#8226;</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">The Company reported $1.4B of net income in Q4&#8217;14, compared to $1.3B in Q4&#8217;13. This resulted in diluted EPS attributable to common shareholders of $1.39 per share, an increase of 15% from $1.21 a year ago.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="1a321168c18a4c6bb8c692bb2929cc9e" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">&#8226;</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">Total revenues net of interest expense were up 7% compared to Q4&#8217;13. The quarter included a pretax gain of $719MM ($453MM after tax) from the sale of the Company&#8217;s investment in Concur. The prior-year period included the revenue from the Company&#8217;s business travel operations, which were deconsolidated as a result of the business travel joint venture transaction that closed June 30, 2014. Excluding business travel revenues from Q4&#8217;13 and the Concur gain, adjusted revenue growth was 3% in Q4&#8217;14,<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">1</font> and 5% on an FX adjusted basis.<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="cd2bfd2a78de4579999048952a09b74b" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">Q4&#8217;14 return on average equity (&#8220;ROE&#8221;) was 29.1%.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">BUSINESS METRICS</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="8cd96ebb4dda41f4b281b84f5338a793" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">Worldwide billed business of $268.5B increased 6% on a reported basis and 8% on an FX adjusted basis, compared to Q4&#8217;13.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="d830ab45d03a4bd181b4c5c9061e9654" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">Worldwide Card Member loan balances of $70.4B increased 5% from $67.2B a year ago, reflecting higher Card Member spending levels, partially offset by an increase in paydown rates.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="d904359ab01d4cf3add9c8d84be1f977" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr style="HEIGHT: 12px;">
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">Worldwide lending write-off rates improved versus the prior year and last quarter to be at or near historical lows. The Company&#8217;s fourth quarter worldwide net lending write-off rate<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">3</font> was 1.4%, as compared to 1.5% in Q3&#8217;14 and 1.6% in Q4&#8217;13.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" id="af43e11133a14e1aa44af287e7ae0980" width="100%" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="6" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; WIDTH: 12px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="WIDTH: 16px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Percentage</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 13px;">
<td valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="6" valign="bottom" style="VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Quarters Ended</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Percentage</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; WIDTH: 12px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="WIDTH: 16px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Inc/(Dec)</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">December 31,</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; MARGIN-RIGHT: 4.5pt">Inc/(Dec)</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 12px; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; WIDTH: 16px; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">FX Adjusted</font><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2014</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2013</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 12px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; WIDTH: 16px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; WIDTH: 12px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="WIDTH: 16px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; VERTICAL-ALIGN: top; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">Card billed business<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">4</font><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>(billions):</div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; WIDTH: 12px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="WIDTH: 16px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" bgcolor="#cceeff" style="PADDING-LEFT: 3%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 20.25pt; FONT-SIZE: 10pt">United States<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" bgcolor="#cceeff" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">182.5</div>
</td>
<td nowrap valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" bgcolor="#cceeff" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">169.1</div>
</td>
<td nowrap valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" bgcolor="#cceeff" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 12px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;<font size="2">%</font></font></td>
<td valign="bottom" bgcolor="#cceeff" style="WIDTH: 16px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" bgcolor="#cceeff" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 3%; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 20.25pt; FONT-SIZE: 10pt">Outside the United States<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">86.0</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">84.9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;<font size="2">%</font></font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 3%; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 20.25pt; FONT-SIZE: 10pt">Total<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">268.5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">254.0</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">Total cards-in-force (millions):<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="PADDING-LEFT: 5%; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 12.95pt; FONT-SIZE: 10pt">United States<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">54.9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">53.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 5%; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 12.95pt; FONT-SIZE: 10pt">Outside the United States<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">57.3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">54.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 5%; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 12.95pt; FONT-SIZE: 10pt">Total<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">112.2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">107.2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">Basic cards-in-force<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>(millions):</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="PADDING-LEFT: 5%; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 13.5pt; FONT-SIZE: 10pt">United States<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">42.6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">41.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 5%; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 13.5pt; FONT-SIZE: 10pt">Outside the United States<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">47.0</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">44.0</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 5%; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 13.5pt; FONT-SIZE: 10pt">Total <font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">89.6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">85.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">Average basic Card Member spending<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">5</font> (dollars):</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="PADDING-LEFT: 6%; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">United States<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4,686</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4,507</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="PADDING-LEFT: 6%; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">Outside the United States<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3,547</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3,729</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="PADDING-LEFT: 6%; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">Total<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4,377</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4,292</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.11%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="WIDTH: 52%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.11%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
</div>

<div>
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">1</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Adjusted revenue growth is a non-GAAP measure and excludes the gain on the sale of the Concur investment in Q4&#8217;14 and<font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</font>revenue from the Company&#8217;s business travel operations in Q4&#8217;13 from total revenues net of interest expense. Adjusted revenue growth does not exclude other business travel-related items, including transaction-related costs, the equity earnings from the joint venture in Q4&#8217;14, and impacts related to a transition services agreement that will phase out over time. Management believes adjusted revenue growth is useful in evaluating the ongoing operating performance of the Company. See Annex 1 for a reconciliation to total revenues net of interest expense on a GAAP basis.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">2</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">As reported in this Earnings Supplement, FX adjusted information assumes a constant exchange rate between the periods being compared for purposes of currency translation into U.S. dollars (e.g., assumes the foreign exchange rates used to determine results for the three months ended December 31, 2014 apply to the period(s) against which such results are being compared).&#160; The Company believes the presentation of information on an FX adjusted basis is helpful to investors by making it easier to compare the Company's performance in one period to that of another period without the variability caused by fluctuations in currency exchange rates.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">3</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Rate reflects principal losses only.&#160; Net write-off rates including interest and/or fees are included in the Company&#8217;s Fourth Quarter 2014 Earnings Release, selected statistical tables.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">4</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">For additional information about discount rate calculations and billed business, please refer to the Company&#8217;s Fourth Quarter 2014 Earnings Release, selected statistical tables.</font></div>
</td>
</tr></table>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">1</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>
</div>

<div>&#160;</div>

<div>
<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER 2014 OVERVIEW</font></div>
</div>

<br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Additional Billed Business Statistics</font></font>:</div>

<div align="left">
<table cellpadding="0" cellspacing="0" id="568a6cf66a6c448cb6055119f76d3aee" width="100%" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr style="HEIGHT: 18px;">
<td valign="bottom" style="PADDING-LEFT: 0%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;&#160;(Growth vs. Q4&#8217;13)</div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Percentage</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Percentage</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Inc/(Dec)</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Inc/(Dec)</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">FX Adjusted<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">6</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Worldwide</font><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">7</font><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr style="HEIGHT: 13px;">
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total Billed Business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Proprietary billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 14px;">
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">GNS billed business<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">8</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">15</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Airline-related volume (8% of worldwide billed business)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 16px;">
<td valign="bottom" width="76%" bgcolor="#cceeff" style="WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">U.S.</font><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">7</font></font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Billed Business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 17px;">
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Proprietary consumer card billed business <font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">9</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Proprietary small business billed business</font><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">9</font></font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">10</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Proprietary corporate services billed business<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">10</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr style="HEIGHT: 12px;">
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">T&amp;E-related volume (23% of U.S. billed business)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Non-T&amp;E-related volume (77% of U.S. billed business)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Airline-related volume (7% of U.S. billed business)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outside the U.S.</font><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">7</font></font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Billed Business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 10.7pt; FONT-SIZE: 10pt">Japan, Asia Pacific &amp; Australia (&#8220;JAPA&#8221;) billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 10.7pt; FONT-SIZE: 10pt">Latin America &amp; Canada (&#8220;LACC&#8221;) billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 14px;">
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 10.7pt; FONT-SIZE: 10pt">Europe, Middle East, &amp; Africa (&#8220;EMEA&#8221;) billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Proprietary consumer and small business billed business<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">11</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr style="HEIGHT: 12px;">
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 10.7pt; FONT-SIZE: 10pt">JAPA billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 10.7pt; FONT-SIZE: 10pt">LACC billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 10.7pt; FONT-SIZE: 10pt">EMEA billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Proprietary corporate services billed business<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">10</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="WIDTH: 76%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr></table>
</div>

<div>
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
</div>

<div>
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">5</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Proprietary card activity only.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">6</font></font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">See Note 2, page 1.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">7</font></font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Captions not designated as &#8220;proprietary&#8221; or &#8220;GNS&#8221; include both proprietary and Global Network Services (&#8220;GNS&#8221;) data.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">8</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Included in Global Network and Merchant Services (&#8220;GNMS&#8221;).</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">9</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Included in U.S. Card Services (&#8220;USCS&#8221;)<font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">10</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Included in Global Commercial Services (&#8220;GCS&#8221;)<font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">11</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Included in International Card Services (&#8220;ICS&#8221;).</font></div>
</td>
</tr></table>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">2</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER 2014 OVERVIEW</font></div>
</div>

<div>&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" id="03adad8e02604284b1183f2317146c68" width="100%" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr style="HEIGHT: 13px;">
<td colspan="12" valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Consolidated Statement of Income</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td colspan="12" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 18px;">
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>(Preliminary)</div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="6" valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Quarters Ended</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td rowspan="3" valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" rowspan="3" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Percentage</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Inc/(Dec)</div>
</td>
<td nowrap rowspan="3" valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>(Millions, except percentages and per share amounts)</div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">December 31,</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2014</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2013</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Revenues</div>
</td>
<td valign="bottom" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr style="HEIGHT: 16px;">
<td valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Non-interest revenues</div>
</td>
<td valign="bottom" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Discount revenue</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4,987</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4,869</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net card fees</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">671</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">673</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Travel commissions and fees</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">91</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">491</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(81</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Other commissions and fees</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">624</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">626</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Other</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,310</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">569</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">#</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 3%; WIDTH: 64%; MARGIN-LEFT: 0pt; VERTICAL-ALIGN: top; MARGIN-RIGHT: 0pt">Total non-interest revenues</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7,683</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7,228</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 3%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net interest income</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,424</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,319</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Total revenues net of interest expense</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9,107</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8,547</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Provisions for losses</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Charge card</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">198</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">174</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Card Member loans</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">341</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">290</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">18</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Other </div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">43</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">15</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">#</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 14px;">
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 2%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total provisions for losses</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">582</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">479</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">22</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Total revenues net of interest expense after provisions for losses</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8,525</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8,068</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Expenses</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Marketing and promotion</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">913</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">809</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">13</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Card Member rewards </div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,881</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,717</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">10</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Card Member services and other</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">203</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">188</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Salaries and employee benefits </div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,607</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,489</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Professional services</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">768</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">830</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Occupancy and equipment</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">446</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">510</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(13</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Communications</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">98</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">97</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Other, net</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">384</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">448</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 2%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6,300</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6,088</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Pretax income</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2,225</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,980</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">12</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Income tax provision </div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">778</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">672</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">16</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;Net Income</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,447</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,308</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">11</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net income attributable to common shareholders<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">12</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,436</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,297</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">11</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Earnings Per Common Share <font style="DISPLAY: inline; FONT-FAMILY: times new roman">&#8212; </font>Basic</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net Income attributable to common shareholders </div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.40</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.22</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">15</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Earnings Per Common Share <font style="DISPLAY: inline; FONT-FAMILY: times new roman">&#8212; </font>Diluted</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net Income attributable to common shareholders </div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.39</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.21</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">15</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Average Shares Outstanding</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Basic</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,028</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,067</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Diluted</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,033</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,073</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"># denotes a variance of more than 100%.</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
</div>

<div>
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">12</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Represents net income less earnings allocated to participating share awards of $11MM for each of the three months ended December 31, 2014 and 2013.</font></div>
</td>
</tr></table>
</div>
</div>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">3</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left">&#160;</div>

<div style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER 2014 OVERVIEW</font></div>
</div>

<div style="TEXT-ALIGN: left">&#160;</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="c7d3df0883134c99bcd5fc20090df51d" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">&#8226;</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">
<div><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Discount Revenue</font></font>: Increased 2%, reflecting 6% growth in billed business volumes, partially offset by a decrease in the average discount rate, increases in cash rebate rewards, and incentives earned by corporate clients and other customers, and faster growth in GNS billings than in overall Company billings.</div>

<div>&#160;</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="c1133d66bd304cbcbfe4d769d8334069" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">-</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">The average discount rate<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">13</font><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>of 2.45% in Q4&#8217;14 decreased by 3 bps compared to 2.48% in Q4&#8217;13. The decrease was driven by the timing of certain contract signings and payments to merchant partners, changes in industry mix, and the growth of the OptBlue program, partially offset by the decline in Costco Canada merchant volume. 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, pricing regulation (including regulation of competitors&#8217; interchange rates) and other factors will likely result in continued erosion of the average discount rate over time.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="f99be388b25e4238b8734f3c6c90e434" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Net Card Fees</font></font>: Remained flat versus Q4&#8217;13 and increased 4% on an FX adjusted basis<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">14</font>, reflecting growth in basic cards-in-force in USCS and ICS.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="daaf8f8098524297be94c100ad914668" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Travel Commissions and Fees</font></font>:&#160; Decreased 81% to $91MM,<font style="FONT-SIZE: 10pt">&#160;</font>as the revenues from business travel are no longer consolidated in the income statement. Please see Other Items of Note for further detail.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="eab4a51e42ac4223971f40ebf60df004" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Other Commissions and Fees</font></font>: Remained flat versus Q4&#8217;13 and increased 5% on an FX adjusted basis<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">15</font>, driven by higher delinquency fees and Loyalty Partner revenue.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="ecef0f6084174e5397170aff2be65708" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Other Revenues</font></font>: Increased to $1.3B from $0.6B, primarily driven by the $719MM pretax gain related to the sale of the Company&#8217;s investment in Concur as well as revenues received for transitional services provided to the business travel joint venture, partially offset by a prior-year gain of $36MM related to the sale of investment securities in ICBC.</font></td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff; MARGIN-LEFT: 18pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="7e35f593617c42a5a3c90aa07cecab7e" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Net Interest Income</font></font>: Increased 8% versus Q4&#8217;13, reflecting a 5% increase in average Card Member loans and lower funding costs compared to Q4&#8217;13. Net interest income divided by average loans was 8.4% and worldwide net interest yield, a non-GAAP measure, was 9.3% in both Q4&#8217;14 and Q4&#8217;13.<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">16</font></font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="0a66bea1702d44e0a3e60cc0a9efda81" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 0.7pt">&#160;</td>
<td style="WIDTH: 17.3pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Charge Card Provision for Losses</font></font>: Increased 14% due to a reserve build in the current quarter versus a small reserve release a year ago, partially offset by lower write-offs.</font></td>
</tr></table>
</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: justify; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="337cf08366ac416390b466ff30952b1c" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 16.8pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">-</td>
<td style="TEXT-ALIGN: justify; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="DISPLAY: inline"><font style="TEXT-DECORATION: underline">Worldwide Charge Card</font></font><font style="DISPLAY: inline">:</font></td>
</tr></table>
</div>

<div style="TEXT-ALIGN: justify; BACKGROUND-COLOR: #ffffff"><br>
</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="fd2c487432564a4c8fb30fe77688a083" width="100%" style="WIDTH: 90%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="64%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 179px; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q4'14</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 20px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 165px; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q3&#8217;14</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 16px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q4'13</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 12px;">
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">USCS Net write-off rate<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">17</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 8.87%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.4%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9.09%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.5%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.5%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">ICS Net write-off rate<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">18</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 8.87%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.8%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9.09%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.9%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">--</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">GCS Net loss ratio as a % of charge volume</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 8.87%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.08%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9.09%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.09%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.08%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 8.87%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9.09%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 12px;">
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">USCS 30 days past due as a % of total</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 8.87%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.7%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9.09%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.6%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.6%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">ICS 30 days past due as a % of total<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">18</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 8.87%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.3%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9.09%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.4%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">--</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">GCS 90 days past billings as a % of total</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 8.87%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.8%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9.09%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.8%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.9%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 8.87%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9.09%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Worldwide Receivables (billions)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 8.87%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">44.9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9.09%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">45.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">44.2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Reserves (millions) </div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 8.87%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">465</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9.09%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">432</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">386</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">% of receivables</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 8.87%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.0%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9.09%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.0%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.9%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr></table>
</div>

<div>&#160;</div>

<div>
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">13</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">See Note 4, page 1. </div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">14</font></font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">See Note 2, page 1.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">15</font></font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">See Note 2, page 1.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">16</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">See Annex 3 for the calculation of net interest yield on Card Member loans, a non-GAAP measure, and net interest income divided by average loans, a GAAP measure. The Company believes net interest yield on Card Member loans is useful to investors because it provides a measure of profitability of the Company&#8217;s Card Member loan portfolio</font><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">17</font></font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">See Note 3, page 1.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">18</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Beginning in the first quarter of 2014, as a result of system enhancements, 30 days past due as a % of total, and Net write-off rate (principal only) have been presented for ICS. For historical Net loss ratio as a % of charge volume for ICS, please refer to the Company&#8217;s Fourth Quarter 2014 Earnings Release, Selected Statistical tables. </font></div>
</td>
</tr></table>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">4</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div>&#160;</div>

<div style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER 2014 OVERVIEW</font></div>
</div>

<div>&#160;</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="9a11845a55fb405ca5ad42770fb41ebb" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr style="HEIGHT: 13px;">
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Card Member Loan Provision for Losses</font></font>: Increased 18%, due to a reserve build in the current quarter versus a reserve release a year ago, partially offset by lower write-offs.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div>&#160;</div>
</div>

<div style="TEXT-ALIGN: justify; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="46fd32148e6e43a29de983375ecf4d98" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 16.8pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">-</td>
<td style="TEXT-ALIGN: justify; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">
<div><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Worldwide Loans</font></font>:</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: justify; BACKGROUND-COLOR: #ffffff">&#160;</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="6afee5d2ec0a453d954af48e8188e9b7" width="100%" style="WIDTH: 95%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr style="HEIGHT: 20px;">
<td valign="bottom" width="64%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q4'14</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q3&#8217;14</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q4&#8217;13</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net write-off rate<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">19</font><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.4%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.5%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.6%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">30 days past due loans as a % of total</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.0%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.1%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.1%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total Loans (billions)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">70.4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">66.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">67.2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Reserves (millions)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,201</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,146</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,261</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">% of total loans</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.7%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.7%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.9%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">% of past due </div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">167%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">165%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">169%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr></table>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="5b1bb34f5c3c4e7797305c37c5a0a5e1" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Other Provision for Losses</font></font>: Increased $28MM from Q4&#8217;13 to $43MM primarily driven by a merchant-related charge in the quarter.</font></td>
</tr></table>
</div>

<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="1408b6695067417b9a5f47b1da9a4c94" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Marketing and Promotion Expense</font></font>:&#160; Increased 13% versus a year ago.&#160; The increase reflects the reinvestment of a portion of the Concur gain in growth initiatives.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="d11fae21f7a64d75aa728f5ff14d1bc8" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Card Member Rewards Expense</font></font>:<font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font>Increased 10%, driven by a $109MM charge related to the Delta Air Lines partnership renewal, predominantly in the USCS segment, as well as higher spend volumes within Membership Rewards and Cobrand products, partially offset by a charge in the prior year period due to an enhancement to the ultimate redemption rate estimation process in countries outside the United States.</font></td>
</tr></table>
</div>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="a42b29b032cf4cf898da9141934c67f1" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 25px">&#160;</td>
<td style="WIDTH: 22px; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">-</font></td>
<td style="TEXT-ALIGN: left; WIDTH: 1284px; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif">The Company's Membership Rewards ultimate redemption rate for program participants remained 95% in Q4&#8217;14, in line with Q3&#8217;14.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; MARGIN-BOTTOM: 12pt">
<table cellpadding="0" cellspacing="0" id="16c0d51b86d54a60ad316e1c9a37c62e" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Card Member Services and Other Expense</font></font>: Increased $15MM from Q4&#8217;13 to $203MM.</font></td>
</tr></table>

<br>
</div>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="f529033ed10e40788d6b00e0dacc019d" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 0.7pt">&#160;</td>
<td style="WIDTH: 17.3pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Salaries and Employee Benefits Expense</font></font>: Increased 8%, predominantly driven by restructuring charges partially offset by prior-year expenses from business travel that are no longer consolidated in the income statement.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="313cd45067834656a63011ae7279dc0e" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 0.7pt">&#160;</td>
<td style="WIDTH: 17.3pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Professional Services Expense</font></font>: Decreased 7%, driven in part by the expenses from business travel that are no longer consolidated in the income statement, as well as due to higher legal fees in the prior year.</font></td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="3e27e9e7c15b422c9eab0b671c1cca6a" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 0.7pt">&#160;</td>
<td style="WIDTH: 17.3pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Occupancy and Equipment Expense</font></font>:&#160; Decreased 13%, predominantly driven by the expenses from business travel that are no longer consolidated in the income statement and due to lower rental and depreciation expenses versus the prior year.</font></td>
</tr></table>
</div>
</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="fba5f458858d42ae8361d71f32b1b1ba" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 0.7pt">&#160;</td>
<td style="WIDTH: 17.3pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Communications Expense</font></font>: Was $98MM, compared to $97MM in Q4&#8217;13.</font></td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="8f8aefc4b2af4dad8d870dd3d43079ed" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Other, Net Expense</font></font>: Decreased 14% versus Q4&#8217;13 primarily driven by the expenses from business travel that are no longer consolidated in the income statement.&#160; In addition, the prior year included an expense related to a merchant litigation settlement in the GNMS segment.&#160; These benefits were partially offset by higher fraud expense, primarily due to a benefit from a methodology change in the prior year.</font></td>
</tr></table>
</div>

<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="24ac8fb761a14fe7b45ea9824bac4dd3" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Pretax Margin</font></font>: Was 24.4% of total revenues net of interest expense in Q4&#8217;14 compared with 23.2% in Q4&#8217;13.</font></td>
</tr></table>
</div>

<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="16ae06e361914227a8bc4b19a14d5d2c" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Effective Tax Rate</font></font>: Was 35.0% in Q4&#8217;14 compared with 33.9% in Q4&#8217;13 driven by the geographic mix of earnings and the resolution of certain prior years&#8217; tax items.</font></td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left"><br>
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">19</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">See Note 3, page 1.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: -9pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">5</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER 2014 OVERVIEW</font></div>
</div>

<div>&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">CAPITAL</font></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="1b78dd96f3164c839d9359c12fca3e5a" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Capital Distribution to Shareholders</font></font>: During Q4&#8217;14, approximately 95% of capital generated was distributed to shareholders through the Company&#8217;s quarterly common share dividend and share repurchases.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">The Company repurchased 13MM common shares at an average price of $90.55 in Q4&#8217;14 versus 10MM common shares at an average price of $83.84 in Q4&#8217;13. In Q1&#8217;15 the Company is expected to execute its share repurchase program, subject to market conditions and pursuant to its capital plan submitted to the Federal Reserve in January 2014, to repurchase up to $1.0B of common shares. On January 5, 2015, the Company submitted its capital plan to the Federal Reserve, which included additional share repurchases for 2015. The capital plan includes an analysis of performance and capital availability under certain adverse economic assumptions. The capital plan was submitted to the Federal Reserve pursuant to the Federal Reserve&#8217;s guidance on dividends and capital distributions. The Company expects a response from the Federal Reserve by March 31, 2015.</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Shares Outstanding</font></font>:</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#160;</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="faf45944726e403da490c77461d9eff3" width="100%" style="WIDTH: 90%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="64%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="10" valign="bottom" width="34%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Millions of Shares</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 14px;">
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q4&#8217;14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q3&#8217;14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q4&#8217;13</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 14px;">
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Beginning of period</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,035</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,046</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,071</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Repurchase of common shares</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(13</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(13</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(10</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Employee benefit plans, compensation and other</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">End of period</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,023</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,035</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,064</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Capital Ratios</font></font>: As of December 31, 2014, the Company&#8217;s key consolidated capital ratios,<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">20</font> as calculated under the new U.S. regulatory capital standards, known as Basel III, inclusive of transition provisions, were as follows:<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#160;</div>
</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="2e159a4f59e54e1cb62972f6fbe4dcda" width="100%" style="WIDTH: 85%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr style="HEIGHT: 14px;">
<td valign="bottom" width="88%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">($ in billions)</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">December 31, 2014</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" style="VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Risk-Based Capital</div>
</td>
<td valign="bottom" width="1%" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 12px;">
<td valign="bottom" width="88%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Tier 1 </div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">13.6%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total </div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">15.6%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 18px;">
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Tier 1 Leverage</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">11.8%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Common Equity Tier 1/Risk Weighted Assets (&#8220;RWA&#8221;)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">13.1%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total Shareholders' Equity</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">20.7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Tangible Common Equity (&#8220;TCE&#8221;)<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">21</font>/RWA<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">12.0%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Tier 1 Capital </div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">18.2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Common Equity Tier 1</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">17.5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Tier 2 Capital </div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2.6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total Average Assets<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">22</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">154.7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">RWA</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">133.3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">TCE</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">16.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">The transition provisions for 2014 under Basel III cause the Company&#8217;s 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 and Tier 1 capital ratios would have been approximately 45 bps and 40 bps lower, respectively, under Basel I (approximately 12.7% and 13.2%, respectively<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">23</font>). The largest contributor to the difference is the way intangible assets are being treated and ultimately transitioned in over a five-year period under Basel III.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">Had the Basel III rules been fully phased in during Q4&#8217;14, the Company estimates that the reported Common Equity Tier 1 and Tier 1 capital ratios would be approximately 85 bps and 90 bps lower, respectively, than the reported transitional Basel III ratios and approximately 40 bps lower versus Basel I. The Supplementary Leverage Ratio would have been approximately 9.4%.<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">23</font> These ratios are calculated using the standardized approach. The Company is currently taking steps toward implementing the Basel III advanced approaches in the United States.<br>
<br>
</div>
</div>

<div>
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">20</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">These ratios represent preliminary estimates as of the date of this Earnings Supplement and may be revised in the Company&#8217;s December 31, 2014 Form 10-K.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">21</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Tangible common equity, a non-GAAP measure, excludes goodwill and other intangibles of $3.9B and preferred shares of $0.7B from total shareholders&#8217; equity of $20.7B. The Company believes presenting the ratio of tangible common equity to risk-weighted assets is a useful measure of evaluating the strength of the Company&#8217;s capital position.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">22</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Presented for the purpose of calculating the Tier 1 Leverage Ratio.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">23</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">The Common Equity Tier 1 and Tier 1 capital ratios under Basel I and Fully Phased-in Basel III, and the Supplementary Leverage Ratio are non-GAAP measures. The Company believes the presentation of the capital ratios is helpful to investors by showing the impact of Basel III. The impact of the Basel III rule will change over time based upon changes in the size and composition of the Company&#8217;s balance sheet; and the impact for the fourth quarter of 2014 is not necessarily indicative of the impact in future periods. Refer to Annex 2 for a reconciliation of the capital ratios.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: -9pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">6</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER 2014 OVERVIEW</font></div>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FUNDING AND LIQUIDITY</font></div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: left; MARGIN-BOTTOM: 4pt">
<table cellpadding="0" cellspacing="0" id="acd8f8d459454e80b7437928d62a7a7b" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Funding Activities</font></font>: During Q4&#8217;14, the Company primarily funded its business through deposit-taking and the issuance of unsecured debt and asset-backed securities.</td>
</tr></table>
</div>

<div><br>
</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: left; MARGIN-BOTTOM: 4pt">
<table cellpadding="0" cellspacing="0" id="d3c78739f92543aa9f66424f0fb69878" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 22.5pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">-</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Deposits</font></font>:&#160; The Company held the following deposits:</td>
</tr></table>
</div>

<div><br>
</div>
</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="24cb28242dbe4914a56f98565104990d" width="100%" style="WIDTH: 90%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="64%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">($ in billions)</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Dec. 31, 2014</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Sept. 30, 2014</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Change</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">U.S. Direct Deposits<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">24</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">26.5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">26.6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(0.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">U.S. 3rd Party CDs</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7.8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6.4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">U.S. 3rd Party Sweep Accounts</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9.0</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8.9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Other Deposits</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.1</div>
</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Card Member Credit Balances</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 18px;">
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 2%; WIDTH: 64%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">44.2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">42.7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1.5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 36pt; FONT-SIZE: 10pt">The total portfolio of U.S. retail Certificates of Deposit (&#8220;CDs&#8221;) issued through the direct deposit and third-party programs had a weighted average remaining maturity of 29.5 months and a weighted average rate at issuance of 1.54%.</div>

<div><br>
</div>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="152dc6bf63e14dfdbb31ad14c541e669" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; ALIGN: right">-</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Unsecured Debt</font></font>: On December 5, 2014, the Company issued $600MM of subordinated notes with a maturity of ten years and a coupon of 3.625%.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="5759770b44e94a35949d7a6a93fa0953" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; ALIGN: right">-</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Asset-Backed Securitization</font></font>: On November 19, 2014, the Company issued $1.5B of asset-backed securities from the American Express Credit Account Master Trust (&#8220;Lending Trust&#8221;) with a maturity of three years consisting of (i) $1.0B of Class A certificates with a coupon of 1.430%, (ii) $500MM of Class A certificates at a rate of 1-month LIBOR plus 29bps and (iii) $16MM of Class B certificates at a rate of 1-month LIBOR plus 45bps.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="8f49174a0d8849e1ba4f5553af530fa1" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; ALIGN: right">-</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Preferred Share Issuance</font></font>: On November 10, 2014, the Company issued $750MM of non-cumulative perpetual preferred shares. The shares feature an initial fixed dividend coupon of 5.200% during the first five years and a subsequent floating dividend coupon of 3-month LIBOR plus 3.428%.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="d0cde416d4d3474bbcd1e6043d370bdd" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; ALIGN: right">-</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Secured Borrowing Facilities</font></font>: The Company maintains a $3.0B committed, revolving, and secured facility issued from American Express Issuance Trust II (&#8220;Charge Trust&#8221;) and a $2.0B committed, revolving, and secured facility issued from the Lending Trust. As of December 31, 2014, $2.5B was drawn on the Charge Trust facility and $0.0B was drawn on the Lending Trust facility.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="a4167f3306e944bba9e11371cac16f93" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; ALIGN: right">-</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">As of December 31, 2014, the Company held $15.2B of excess cash<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">25</font> and $0.1B of securities held as collateral<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">26</font> versus $13.4B of long-term debt and CDs<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">27</font> maturing over the next 12 months.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="8f45ab070ad74b8a812007aea4ce2503" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; ALIGN: right">-</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Funding Plan</font></font>: <font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">The Company&#8217;s funding plan for the full year 2015 includes, among other sources, approximately $3B to $9B of unsecured term debt issuance and $3B to $9B of secured term debt issuance. The Company&#8217;s funding plans are subject to various risks and uncertainties, such as future business growth, the impact of global economic, political and other events on market capacity, demand for securities offered by the Company, regulatory changes, ability to securitize and sell receivables, and the performance of receivables previously sold in securitization transactions. Many of these risks are beyond the Company&#8217;s control.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: justify">
<table cellpadding="0" cellspacing="0" id="b55eafbd0b3a4a30a5699ada5150f88c" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; ALIGN: right">-</td>
<td style="TEXT-ALIGN: justify; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">6.80% Subordinated Debentures due 2036</font></font>: As of December 31, 2014, the Company&#8217;s &#8220;tangible common equity,&#8221; a non-GAAP measure, was $16.1B<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">28</font> and &#8220;total adjusted assets&#8221; (which is the same amount as the total consolidated assets as reflected on the Company&#8217;s balance sheet) were $159.1B.</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: justify">&#160;</div>

<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
<div style="TEXT-ALIGN: justify">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">24</font></font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Direct Deposits primarily includes the Personal Savings<font style="FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font></font> direct deposit program, which consisted of $26.2B from high-yield savings accounts and $0.3B from retail CDs as of December 31, 2014.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">25</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">I</font><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">ncludes $22.3B classified as Cash and Cash Equivalents less $0.8B of Commercial Paper outstanding and $6.3B of cash available to fund day-to-day operations. The $15.2B represents cash residing in the United States.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">26</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Represents off balance sheet securities held as collateral from a counterparty that had not been sold or re</font><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">-</font><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">pledged.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">27</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Reflects the face amount of unsecured term debt; the long-term debt balance on the Company&#8217;s consolidated balance sheet includes capitalized leases and certain adjustments which are not included in this balance.</font></div>
</td>
</tr></table>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">7</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER 2014 OVERVIEW</font></div>
</div>
</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">OTHER ITEMS OF NOTE</font></div>

<div><br>
</div>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="f56072b8914e4c6795d7603900e91fcb" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Corporate &amp; Other</font></font>: Net expense reported in Corporate &amp; Other was $262MM in Q4&#8217;14 compared with $185MM in Q3&#8217;14 and $240MM in Q4&#8217;13.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="18f4e3f8b48e4949b18e232eb87d5a83" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 49.5pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">--</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">The higher net expense compared to Q3&#8217;14 was primarily driven by restructuring charges in the current quarter.</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="584f7b76d9544af59d7cb15d7d0885ef" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 49.5pt">&#160;</td>
<td style="FONT-STYLE: italic; WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">--</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">The higher net expense compared to Q4&#8217;13 was primarily driven by restructuring charges in the current quarter, a gain from the sale of investment securities in ICBC in the prior year, partially offset by lower tax expense in the corporate segment during the current quarter.</td>
</tr></table>
</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="93b6effcdfde4c13b477f7e40ffa19cd" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Business Travel Joint Venture Transaction</font></font>: On June 30, 2014, the Company completed its plans to establish a joint venture for its business travel operations. As a result of the transaction, business travel was deconsolidated, which impacts the Company&#8217;s year-over-year growth rates in Travel Commissions and Fees, where a majority of business travel revenue was recorded, and in Operating Expenses,<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">29</font> where a majority of business travel expense was recorded. The impact to revenues, expenses and pretax income also affects year-over-year growth rates in the GCS segment. The following schedule contains business travel revenues, expenses and pretax income for 2013, as well as the first two quarters of 2014.</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="de6b2ec1b94940dda0bacb0c88300902" width="100%" style="WIDTH: 90%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr style="HEIGHT: 20px;">
<td valign="bottom" width="25%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 41px; VERTICAL-ALIGN: bottom">
<div style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$MM</div>
</td>
<td valign="bottom" width="15%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 577px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 6px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q2&#8217;14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 15px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 166px; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q1&#8217;14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FY 2013</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q4&#8217;13</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Q3&#8217;13</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 18px;">
<td valign="bottom" width="25%" bgcolor="#cceeff" style="WIDTH: 2.26%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="15%" bgcolor="#cceeff" style="WIDTH: 31.77%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total revenues, net of interest</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">402</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.16%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">339</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,548</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">405</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">396</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 17px;">
<td valign="bottom" width="25%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 2.26%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="15%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 31.77%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Provision for losses</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 10.16%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="25%" bgcolor="#cceeff" style="WIDTH: 2.26%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="15%" bgcolor="#cceeff" style="WIDTH: 31.77%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total revenues, net of interest and provision</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">398</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.16%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">337</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,543</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">403</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">394</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="25%" bgcolor="#ffffff" style="WIDTH: 2.26%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="15%" bgcolor="#ffffff" style="WIDTH: 31.77%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 10.16%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="25%" bgcolor="#cceeff" style="WIDTH: 2.26%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="15%" bgcolor="#cceeff" style="WIDTH: 31.77%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total operating expenses</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(335</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.16%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(335</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1,412</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(361</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(335</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="25%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 2.26%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="15%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 31.77%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Other expenses</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 10.16%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="25%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 2.26%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="15%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 31.77%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Pretax income</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">61</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 10.16%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">127</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">41</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 10.08%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">58</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1.05%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="8e42adeba7004d96bf5964821797e456" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">SAP Acquisition of Concur Technologies</font></font>: In 2008, American Express entered into an operating agreement and made a strategic investment in Concur Technologies, resulting in a 13.5% ownership stake. SAP acquired Concur in December 2014 and the sale of the Company&#8217;s investment resulted in a gain of $719MM pretax ($453MM after-tax), which was reflected in Other Revenue within the GCS segment. Our operating agreements with Concur remain outstanding and the Company does not anticipate any immediate changes to this strategic relationship.</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="e338b6dc45c14998aef4181cdd1befa7" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Restructuring Charge</font></font>: In Q4&#8217;14, the Company took a $313MM restructuring charge ($206MM after-tax) related to actions designed to make the Company more efficient, contain operating expense growth, and, as a result, better enable the Company to invest in new and enhanced products and services.&#160; This will help the Company continue to adapt to a fast-changing and increasingly challenging business environment.&#160; The table below provides detail on the restructuring charge allocation by segment.</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Restructuring Initiatives by Segment</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="b57d3132b8fe493884a25a07783fbc3b" width="100%" style="WIDTH: 90%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="76%" style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 2px solid">&#160;</td>
<td valign="bottom" width="1%" style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 2px solid">&#160;</td>
<td colspan="6" valign="bottom" width="22%" style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 2px solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Three Months Ended</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 2px solid">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="6" valign="bottom" width="22%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31, 2014</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 16px;">
<td valign="bottom" width="76%" style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(Millions)</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Pretax</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">After-Tax</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="WIDTH: 76%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;&#160;U.S. Card Services</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">29</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">18</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="WIDTH: 76%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;&#160;International Card Services</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">110</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">74</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="WIDTH: 76%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;&#160;Global Commercial Services</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">31</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">21</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="WIDTH: 76%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;&#160;Global Network and Merchant Services</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">21</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 76%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;&#160;Corporate &amp; Other</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">122</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">79</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="WIDTH: 76%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">313</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">206</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="67fa8e62d9f4435aa8d03a9b3d2d374c" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Delta Air Lines Partnership Extension</font></font>: On December 11, 2014, the Company announced a multi-year renewal of its exclusive cobrand credit card partnership with Delta, as well as other partnership arrangements, including Membership Rewards, merchant acceptance and travel. In connection with this announcement, the Company recorded a charge of $109MM ($68MM after-tax) in Q4&#8217;14. This primarily reflects an increase in the Company&#8217;s Membership Rewards balance sheet liability to reflect the estimated impact of an increase in the cost per point that the Company will pay to Delta for previously-earned MR points that are expected to be transferred to Delta SkyMiles in the future. This charge was reflected on the Card Member Rewards expense line within the USCS and GCS segments.</td>
</tr></table>
</div>

<div>&#160;</div>

<div>
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div>
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">28</font></font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">As defined in the Subordinated Debentures, the Company&#8217;s &#8220;tangible common equity&#8221; means total shareholders&#8217; equity, excluding preferred stock, of the Company reflected on its consolidated balance sheet prepared in accordance with GAAP as of such fiscal quarter end minus (i) intangible assets and goodwill and (ii) deferred acquisition costs, as determined in accordance with GAAP and reflected in such consolidated balance sheet.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">29</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Operating Expenses represent salaries and employee benefits, professional services, occupancy and equipment, communications and other, net.</font></div>
</td>
</tr></table>
</div>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">8</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div>&#160;</div>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff; MARGIN-TOP: 5pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER 2014 OVERVIEW</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: normal">&#160;</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">EXPANDED PRODUCTS AND SERVICES</font></font></font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: normal">&#160;</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: normal">During the quarter, American Express continued to invest in growth opportunities through expanded products and services.</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-WEIGHT: bold"><font style="FONT-WEIGHT: normal">In our proprietary <font style="BACKGROUND-COLOR: #ffffff; DISPLAY: inline; FONT-WEIGHT: normal">issuing and merchant businesses, the Company:</font></font></font></font><br>
</div>
</div>

<div style="MARGIN-TOP: 5pt">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top" style="LINE-HEIGHT: 11.4pt;">
<td style="WIDTH: 18pt">&#160;</td>
<td align="right" style="WIDTH: 18pt">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#8226;&#160;</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Announced a multiyear renewal of its exclusive cobrand Credit Card with Delta Airlines. The deal includes continuation of Delta as a Card-accepting merchant and as a participant in the Membership Rewards<font size="1" style="FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font></font> program. In addition, Platinum Card<font size="1" style="FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font></font> Members from American Express and Delta Reserve Card Members can continue to utilize the Delta Sky Club, Delta&#8217;s network of proprietary airport lounges.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top" style="LINE-HEIGHT: 11.4pt;">
<td style="WIDTH: 18pt">&#160;</td>
<td align="right" style="WIDTH: 18pt">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#8226;&#160;</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Continued its support for the Small Business Saturday movement for the fifth straight year by helping ensure that small businesses across the country and around the world got their holiday season off to a strong start as millions of consumers &#8220;shopped small&#8221; and made a big impact on local communities. Having originated in the United States, Small Business Saturday has now spread to the U.K., Australia, Israel, Canada, and South Africa.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top" style="LINE-HEIGHT: 11.4pt;">
<td style="WIDTH: 18pt">&#160;</td>
<td align="right" style="WIDTH: 18pt">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#8226;&#160;</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Launched American Express Token Service, a suite of solutions designed to enable card-issuing partners, processors, acquirers and merchants to create a safer online and mobile payments environment for consumers.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top" style="LINE-HEIGHT: 11.4pt;">
<td style="WIDTH: 18pt">&#160;</td>
<td align="right" style="WIDTH: 18pt">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#8226;&#160;</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Added a new Membership Rewards<font size="1" style="FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font></font> program relationship with Airbnb. U.S. Card Members enrolled in the Membership Rewards<font size="1" style="FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font></font> program can now use Membership Rewards<font size="1" style="FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font></font> points for Airbnb eGift cards.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top" style="LINE-HEIGHT: 11.4pt;">
<td style="WIDTH: 18pt">&#160;</td>
<td align="right" style="WIDTH: 18pt">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#8226;&#160;</font></font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Expanded Centurion<font style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">SM</font></font></font> Lounge access to San Francisco International Airport. The Centurion Lounge at SFO is the fourth in a network of lounges across the United States, with locations currently open in McCarran International Airport (LAS) in Las Vegas, Dallas/Fort Worth International Airport (DFW) and New York&#8217;s LaGuardia Airport (LGA). The Centurion Lounge in Miami International Airport is also under construction.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top" style="LINE-HEIGHT: 11.4pt;">
<td style="WIDTH: 18pt">&#160;</td>
<td align="right" style="WIDTH: 18pt">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#8226;&#160;</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Continued to sign new merchants around the world to the American Express network. In the United States, In-N-Out Burger, a fast food restaurant with 300 locations across California, Arizona, Texas, Nevada and Utah, now accepts the American Express Card. The Company signed Caminos y Puentes Federales (CAPUFE), Mexico's government toll road service provider. Fusion Retail Brands, Australia&#8217;s largest footwear retailer with over 200 locations nationally, now accepts American Express. In Europe, we signed Sibeg &#8211; Coca-Cola, the producer and marketer of The Coca-Cola Company drinks in the region of Sicily.</font></div>
</td>
</tr></table>
</div>
</div>

<div style="MARGIN-TOP: 5pt">&#160;</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt">In our Global Network Services (&#8220;GNS&#8221;) business, the Company:<br>
</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="c13f1cc1c21240f78d409ffeaa1f94d5" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">Announced a new merchant acquiring partnership with Bank of Central Asia in Indonesia.</font></td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="cd3325f8cbfd47979b4f491fa48bfb15" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">Supported GNS partners in launching a wide range of new products, including: the U.S. Bank FlexPerks<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font> Rewards credit cards with U.S. Bank in the U.S.; the Equity Bank American Express<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font> Green Card and the Equity Bank American Express<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font> Gold Card with Equity Bank in&#160; Kenya; the Nedbank Greenbacks Shop Card with Nedbank in South Africa; the All World Premier American Express<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font> Card and the All World Optimum American Express<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font> Card with URALSIB Bank in Russia; the American Express<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font> Design Card with Russian Standard Bank in Russia; the Shell easiGO American Express Prepaid Card with Maybank in Malaysia; HanaSK American Express Virtual Pay with HanaSK Card in South Korea; the SPDB E-Go American Express Account with Shanghai Pudong Development Bank in China; and the ICICI Bank Coral American Express<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#174;</font> Credit Card with ICICI Bank in India.</font></td>
</tr></table>
</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: left; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 36pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In our Enterprise Growth Group, the Company:</font></div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top" style="LINE-HEIGHT: 11.4pt;">
<td style="WIDTH: 18pt">&#160;</td>
<td align="right" style="WIDTH: 18pt">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#8226;&#160;</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Partnered with the Brooklyn Nets and Barclays Center to launch a pilot program of the Brooklyn eWallet, a digital payment solution that is directly integrated into the Brooklyn Nets mobile application. The Brooklyn eWallet is built on the American Express Serve platform and allows guests of the Barclays Center to purchase food and drinks directly from their smartphone.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top" style="LINE-HEIGHT: 11.4pt;">
<td style="WIDTH: 18pt">&#160;</td>
<td align="right" style="WIDTH: 18pt">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#8226;&#160;</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Announced a research pilot to study consumer savings behaviors using the American Express Serve software platform. The research pilot can help identify new ways to promote saving and whether certain behavioral interventions are effective in increasing consumer savings. The program will also help inform research at the Consumer Financial Protection Bureau (CFPB).</font></div>
</td>
</tr></table>
</div>
</div>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">9</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">
<div style="TEXT-ALIGN: center; BACKGROUND-COLOR: #ffffff; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: center; BACKGROUND-COLOR: #ffffff; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FULL YEAR 2014 OVERVIEW</font></div>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160; </div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FINANCIAL RESULTS</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="ec0b9b1939dc493e82f8db6f2253855e" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">Full year 2014 diluted EPS attributable to common shareholders of $5.56 increased 14% from $4.88 last year.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="735d8008e94b4daa897dd850b173d9fd" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">Total revenues net of interest expense were up 4% compared to 2013. 2014 included a pretax gain of $719MM ($453MM after-tax) from the sale of the Company&#8217;s investment in Concur as discussed above. The prior year included the revenue from the Company&#8217;s business travel operations, which were deconsolidated as discussed above. Excluding business travel revenues from Q3&#8217;13 and Q4&#8217;13 and the Concur gain, adjusted revenue growth was 4% in 2014,<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">30</font> and 5% on an FX adjusted basis.<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">31</font></font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="cdaa7e6746734391820c806bf1d9d1a5" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">ROE was 29.1% compared to 27.8% in 2013.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline"><font style="FONT-FAMILY: 'Times New Roman'">BUSINESS METRICS</font></font></div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="2fa734ebb2aa4551a84149dacfe350b7" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">Worldwide billed business of $1.0T increased 7% compared with the full year 2013 and represented the first year of over a trillion dollars of spending on the network. Adjusted for the impact of changes in foreign exchange rates, worldwide billings grew 9%.<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">28</font></font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="73339acfaf6f432d94e001ae7367a6be" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">Worldwide Card Member loan balances of $70.4B increased 5% from $67.2B a year ago, reflecting higher Card Member spending levels, partially offset by an increase in paydown rates.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="e8c16690a02d42479a12d543c98fb726" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">Worldwide credit performance continued to improve modestly, with lending write-off rates at or near historical lows. The Company&#8217;s full year 2014 worldwide net lending write-off rate<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">32</font> was 1.5%, down from 1.8% in 2013.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" id="3c8531b41986404cae13109a335b076a" width="100%" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr style="HEIGHT: 18px;">
<td valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="6" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 16px;">
<td valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="6" valign="bottom" style="VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Years Ended</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Percentage</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Percentage Inc</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 18px;">
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">December 31,</div>
</td>
<td nowrap valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; MARGIN-RIGHT: 4.5pt">Inc</div>
</td>
<td nowrap valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">FX Adjusted<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">28</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2014</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2013</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 17px;">
<td valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Card billed business</font><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">33</font><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(billions):</font></div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr style="HEIGHT: 12px;">
<td valign="bottom" bgcolor="#cceeff" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">United States<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" bgcolor="#cceeff" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">688.1</div>
</td>
<td nowrap valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" bgcolor="#cceeff" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">637.0</div>
</td>
<td nowrap valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" bgcolor="#cceeff" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;<font size="2">%</font></font></td>
<td valign="bottom" bgcolor="#cceeff" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" bgcolor="#cceeff" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" bgcolor="#cceeff" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr style="HEIGHT: 9px;">
<td valign="bottom" width="52%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">Outside the United States<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">334.7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">315.4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">10</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;<font size="2">%</font></font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">Total<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,022.8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">952.4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Average basic Card Member spending<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">34</font> (dollars):</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">United States<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">17,947</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">17,211</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">Outside the United States<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">14,070</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">14,056</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">Total<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">16,884</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">16,334</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">30</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Adjusted revenue growth is a non-GAAP measure and excludes<font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</font>the gain on the sale of the Concur investment in Q4&#8217;14 and<font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</font>revenue from the Company&#8217;s business travel operations in Q3&#8217;13 and Q4&#8217;13 from total revenues net of interest expense. Adjusted revenue growth does not exclude other business travel-related items, including transaction-related costs, the equity earnings from the joint venture in Q3&#8217;14 and Q4&#8217;14, and impacts related to a transition services agreement that will phase out over time. Management believes adjusted revenue growth is useful in evaluating the ongoing operating performance of the Company. See Annex 1 for a reconciliation to total revenues net of interest expense on a GAAP basis.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">31</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">See Note 2, page 1.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">32</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">See Note 3, page 1.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">33</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">See Note 4, page 1.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">34</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">See Note 5, page 1.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">10</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div>&#160;</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FULL YEAR 2014 OVERVIEW</font></div>
</div>

<div>&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Additional Billed Business Statistics:</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" id="5a4294c6f3c04a8b8ebfa38f836d6304" width="100%" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" style="PADDING-LEFT: 0%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;&#160;(Growth vs. 2013)</div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Percentage</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Percentage Inc</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Inc/(Dec)</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">FX Adjusted<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">35</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Worldwide</font><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">36</font><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total Billed Business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Proprietary billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">GNS billed business<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">37</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">12</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">15</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Airline-related volume (9% of worldwide billed business)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">U.S.<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">36</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Billed Business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Proprietary consumer card billed business <font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">38</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Proprietary small business billed business<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">38</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">10</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Proprietary corporate services billed business<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">39</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">T&amp;E-related volume (26% of U.S. billed business)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Non-T&amp;E-related volume (74% of U.S. billed business)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Airline-related volume (8% of U.S. billed business)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outside the U.S.<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">36</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Billed Business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">10</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 10.7pt; FONT-SIZE: 10pt">JAPA billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">10</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 10.7pt; FONT-SIZE: 10pt">LACC billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 10.7pt; FONT-SIZE: 10pt">EMEA billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Proprietary consumer and small business billed business<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">40</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 10.7pt; FONT-SIZE: 10pt">JAPA billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 10.7pt; FONT-SIZE: 10pt">LACC billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 13px;">
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 10.7pt; FONT-SIZE: 10pt">EMEA billed business</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-LEFT: 2%; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Proprietary corporate services billed business<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">39</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr></table>
</div>

<div><br>
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">35</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">See Note 2, page 1.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">36</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Captions not designated as &#8220;proprietary&#8221; or &#8220;GNS&#8221; include both proprietary and GNS data.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">37</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Included in GNMS.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">38</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Included in USCS.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">39</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Included in GCS.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">40</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Included in ICS.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">11</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div>&#160;</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FULL YEAR 2014 OVERVIEW</font></div>
</div>

<div>&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" id="8e02d6ee2e804720834f8a24300eb3f2" width="100%" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td colspan="12" valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Statements of Income</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td colspan="12" valign="bottom" style="VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 18px;">
<td valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>(Preliminary)</div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="6" valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Years Ended</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Percentage</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>(Millions, except percentages and per share amounts)</div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">December 31,</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Inc/(Dec)</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2014</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2013</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Revenues</div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr style="HEIGHT: 18px;">
<td valign="bottom" style="VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Non-interest revenues</div>
</td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" style="VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td colspan="2" valign="bottom" style="VERTICAL-ALIGN: top"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Discount revenue</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">19,493</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">18,695</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">4</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;%</td>
</tr><tr style="HEIGHT: 17px;">
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net card fees</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2,712</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2,631</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">3</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Travel commissions and fees</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,118</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,913</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">(42</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">)</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Other commissions and fees</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2,508</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2,414</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">4</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Other</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2,989</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2,274</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">31</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 4%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total non-interest revenues</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">28,820</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">27,927</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">3</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 4%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net interest income</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5,472</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5,047</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">8</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Total revenues net of interest expense</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">34,292</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">32,974</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Provisions for losses</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Charge card</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">792</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">648</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">22</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Card Member loans</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,138</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,115</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Other </div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">114</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">69</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">65</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 3%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total provisions for losses</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2,044</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,832</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">12</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Total revenues net of interest expense after provisions for losses</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">32,248</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">31,142</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Expenses</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Marketing and promotion</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3,320</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3,043</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Card Member rewards </div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6,931</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6,457</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Card Member services and other</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">822</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">767</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Salaries and employee benefits </div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6,095</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6,191</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Professional services</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3,008</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3,102</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Occupancy and equipment</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,807</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,904</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(5</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Communications</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">383</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">379</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Other, net</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">891</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,411</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(37</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; PADDING-LEFT: 3%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Total</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">23,257</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">23,254</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Pretax income</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8,991</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7,888</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Income tax provision </div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3,106</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2,529</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">23</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net Income</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5,885</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5,359</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">10</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net income attributable to common shareholders<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">41</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5,839</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5,312</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">10</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Earnings Per Common Share-Basic</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net Income attributable to common shareholders </div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5.58</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4.91</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Earnings Per Common Share-Diluted</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net Income attributable to common shareholders </div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5.56</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4.88</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="WIDTH: 64%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>Average Shares Outstanding</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#cceeff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Basic</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,045</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,082</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="64%" bgcolor="#ffffff" style="PADDING-LEFT: 1%; WIDTH: 64%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Diluted</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,051</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,089</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(4</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">41</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Represents net income, less earnings allocated to participating share awards of $46MM and $47MM for 2014 and 2013, respectively.</div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: -9.35pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-LEFT: 9.35pt; FONT-SIZE: 10pt">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">12</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div>&#160;</div>

<div>
<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FULL YEAR 2014 OVERVIEW</font></div>
</div>

<br>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="e2ed5e784cfe4492b7281484f75fe260" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Discount Revenue</font></font>: Increased 4%, reflecting 7% growth in billed business volumes, partially offset by a decline in the average discount rate, faster growth in GNS billings than in overall Company billings, and increased cash rebate rewards and corporate client incentives.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="f0a4187898e04b279caad2d6bf5e6eed" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 36pt">&#160;</td>
<td style="WIDTH: 22.5pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">-</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif">The average discount rate<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">42</font><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font>of 2.48% in 2014 decreased by 3 bps compared to 2.51% in 2013. The decrease was driven by certain contract signings and payments to merchant partners, changes in industry mix, and the growth of the OptBlue program.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="efe5b38fb768421192ae7aefd2caf8b3" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Net Card Fees</font></font>:&#160; Increased 3%, reflecting an increase in proprietary cards-in-force, and slightly higher average card fees in ICS and USCS.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="8243d5a1780044f08e0afc3042fec2aa" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Travel Commissions and Fees</font></font>: Decreased 42% as the revenues from business travel were no longer consolidated in the income statement beginning in Q3&#8217;14.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="4c549df7e5c74e7496a80ecddbcd8356" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Other Commissions and Fees</font></font>: Increased 4% versus 2013 driven by higher Loyalty Partner revenue and delinquency fees.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="2073b6c99e6b4a31adc74a9f7a51e176" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Other Revenues</font></font>: Increased 31%, primarily driven by the $719MM Concur gain, revenues received for transitional services provided to the business travel joint venture, and higher revenues from the Loyalty Edge business, partially offset by the loss of revenue from the Publishing business.</font></td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff; MARGIN-LEFT: 18pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="c4abd64935d241118bfd2915d7685a21" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Net Interest Income</font></font>: Increased 8% versus 2013, primarily reflecting a 13% decrease in interest expense due to lower funding costs, and a 5% increase in average Card Member loans. Net interest income divided by average loans was 8.3% in 2014 compared to 8.0% in 2013 and worldwide net interest yield, a non-GAAP measure, was 9.3% in both 2014 and 2013.<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">43</font></font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="b521351e0ea5428f89442042e3a045c3" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Charge Card Provision for Losses</font></font>: Increased 22% due to a reserve build in 2014 versus a reserve release in 2013.</font></td>
</tr></table>
</div>
</div>

<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="26a70934d5ec49d5b7d48c9ec7ff31fe" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Card Member Loan Provision for Losses</font></font>:&#160; Increased 2%, primarily reflecting a smaller reserve release in 2014 than in 2013, partially offset by lower write-offs due to improved credit performance.</font></td>
</tr></table>
</div>

<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="7afbc60c67f348b390846227022c57dc" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Other Provision for Losses</font></font>: Was $114MM compared to $69MM in 2013 due in part to a merchant-related charge in Q4&#8217;14.</font></td>
</tr></table>
</div>

<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="f26ceaa9f89b40238c66e5b3f896404a" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Marketing and Promotion Expense</font></font>: Increased 9% versus 2013 reflecting the reinvestment of a portion of the gains from the business travel joint venture transaction and the sale of the Company&#8217;s investment in Concur in growth initiatives.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="8f9764ff55a747c8bad8928fa3bd7d16" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr style="HEIGHT: 27px;">
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Card Member Rewards Expense</font></font>: Increased 7%. Rewards expense increased due to greater MR-related and cobrand spending volumes and a $109M charge related to the Delta Air Lines partnership renewal discussed above, predominantly in the USCS segment. This increase is partially offset by a charge in the prior year due to an enhancement to the ultimate redemption rate estimation process in countries outside the United States.</font></td>
</tr></table>
</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff">&#160;</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="db79e151e17148598ecbcfaaaeb59309" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Card Member Services and Other Expense</font></font>: Increased 7% in part driven by higher Card Member usage and redemption.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="1c1794f8ff3a409594cf41b6e811df52" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Salaries and Employee Benefits Expense</font></font>: Decreased 2%, driven by prior-year expenses from business travel that were no longer consolidated in the income statement beginning in Q3&#8217;14, partially offset by restructuring charges.</font></td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="6d8240ceee104bdd94f7256c4f6f16af" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Professional Services Expense</font></font>: Decreased 3% versus 2013 driven in part because the expenses from business travel were no longer consolidated in the income statement beginning in Q3&#8217;14, and lower technology and legal costs in the current year. These impacts were partially offset by transaction costs related to the business travel joint venture transaction.</font></td>
</tr></table>
</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="b6f539fd9c7b4c7cae414593ba99f99c" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Occupancy and Equipment Expense:</font></font>&#160; Decreased 5%, primarily reflecting lower rental and depreciation costs as well as prior year expenses from business travel that were no longer consolidated in the income statement beginning in Q3&#8217;14.</font></td>
</tr></table>
</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="5b5eb64abde04ad4911ca99d52c0e022" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Communications Expense</font></font>:&#160; Increased 1%.</font></td>
</tr></table>
</div>

<div>&#160;</div>

<div>
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
</div>

<div style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">42</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">&#160;See Note 4, page 1. </div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">43</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, Serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">See Annex 3 for the calculation of net interest yield on Card Member loans, a non-GAAP measure, and net interest income divided by average loans, a GAAP measure.&#160; The Company believes net interest yield on Card Member loans is useful to investors because it provides a measure of profitability of the Company&#8217;s Card Member loan portfolio.</font></div>
</td>
</tr></table>
</div>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">13</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FULL YEAR 2014 OVERVIEW</font></div>
</div>

<div style="TEXT-ALIGN: left">&#160;</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="44fe28e6178d497eab88b64d184cabcf" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Other, Net Expense</font></font>: Decreased 37% in 2014 compared to 2013, reflecting the gain from the business travel joint venture transaction in the current year and the merchant litigation settlement in the prior year, as well as prior year expenses from business travel that are no longer consolidated in the income statement. These benefits were partially offset by higher fraud expense, higher non-income tax items in the current year, and the AXP Foundation contribution in Q2&#8217;14.</font></td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="14980e68a8f343828131e7e1e8c6823c" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Pretax Margin</font></font>:&#160; Was 26.2% of total revenues net of interest expense in 2014 compared with 23.9% in 2013.</font></td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt">
<table cellpadding="0" cellspacing="0" id="aba2cac280a04a5690ed8ff73781ca73" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Effective Tax Rate</font></font><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">:</font></font>&#160; Was 34.5% in 2014 compared with 32.1% in 2013. The tax rates in both periods reflect the geographic mix of earnings and the resolution of certain prior years&#8217; tax items.</font></td>
</tr></table>
</div>

<div><font style="FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline"><font style="FONT-FAMILY: 'Times New Roman', Times, serif">CAPITAL</font></font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="e9b0b62966024e0788abb8ca02d0d39a" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman', times, serif">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman', times, serif"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Capital D</font></font><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">i</font></font><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">stribution to Shareholders</font></font>: During 2014, approximately 86% of capital generated was distributed to shareholders through the Company&#8217;s quarterly common share dividend and share repurchases.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">The Company repurchased 49MM common shares at an average price of $89.60 in 2014 versus 55MM common shares in 2013 at an average price of $72.51.</div>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Shares Outstanding</font></font>:</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="42dd26a4e40d4177a03279f9b9284568" width="100%" style="WIDTH: 90%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="6" valign="bottom" width="22%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Millions of Shares</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2014</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2013</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Beginning of period</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,064</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,105</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Repurchase of common shares</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(49</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(55</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Employee benefit plans, compensation and other</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">14</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; WIDTH: 76%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">End of period</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,023</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,064</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr></table>
</div>

<div><br>
</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: justify; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">OTHER ITEMS OF NOTE</font></div>

<div><br>
</div>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="8807af6c9f0642cf94ff6a5e31893737" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Corporate &amp; Other</font></font>:&#160; Net expense reported in Corporate &amp; Other was $929MM in 2014 compared with $900MM in 2013, driven by restructuring costs and lower gains from the sales of investment securities in ICBC in the current year, partially offset by lower interest costs.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<table cellpadding="0" cellspacing="0" id="ae40dfccf3cb49f9a1a2e1be16253069" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Reengineering Charges</font></font>: 2014 net income reflected $420MM ($277MM after-tax) of reengineering charges, net of revisions, related to the Company&#8217;s initiatives, which included the Q4&#8217;14 restructuring charge of $313MM ($206MM after-tax) and the Q2&#8217;14 restructuring charge of $133MM ($90MM after-tax). The table below shows the full year impact of reengineering costs by segment for 2013 and 2014.</font></td>
</tr></table>
</div>

<div style="BACKGROUND-COLOR: #ffffff">&#160;</div>

<div style="TEXT-ALIGN: center; BACKGROUND-COLOR: #ffffff"><font style="FONT-WEIGHT: bold">Reengineering Initiatives by Segment</font></div>

<div style="TEXT-ALIGN: center; LINE-HEIGHT: 1; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="67356d6013f643f99668443554d8b710" width="100%" style="WIDTH: 90%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr style="HEIGHT: 16px;">
<td valign="bottom" width="52%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="6" valign="bottom" width="22%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2014</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="6" valign="bottom" width="22%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2013</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="52%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(Millions)</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Pretax</div>
</td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 9px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; WIDTH: 13px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">After-Tax</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Pretax</div>
</td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">After-Tax</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 16px;">
<td valign="bottom" width="52%" bgcolor="#cceeff" style="TEXT-INDENT: 9pt; PADDING-LEFT: 0pt; WIDTH: 52%; MARGIN-LEFT: 9pt; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">U.S. Card Services</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">39</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.19%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">25</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="TEXT-INDENT: 9pt; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">International Card Services</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">135</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.19%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">90</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="TEXT-INDENT: 9pt; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Global Commercial Services</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">56</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.19%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">38</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="TEXT-INDENT: 9pt; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Global Network and Merchant Services</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">29</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.19%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">19</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">10</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; TEXT-INDENT: 9pt; WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Corporate &amp; Other</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">161</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; WIDTH: 1.19%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">105</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">29</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">19</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="WIDTH: 52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">420</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.19%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">277</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">36</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">23</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr></table>
</div>

<div>&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">14</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: center; BACKGROUND-COLOR: #ffffff; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER AND FULL YEAR 2014 OVERVIEW</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">ANNEX 1</font></div>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Revenue Net of Interest Adjusted for Global Business Travel and Gain on Sale of Concur Investment</font></div>

<div>&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" id="b7c1686e57e2458c8c0c4905f65f957c" width="100%" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr style="HEIGHT: 31px;">
<td valign="bottom" style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(Millions</font>)</div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Q4&#8217;14</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 15px; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; WIDTH: 21px; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Q4&#8217;13</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Full Year 2014</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Full Year 2013</div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="WIDTH: 52%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold">GAAP Revenue Net of Interest</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,107</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.16%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,547</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34,292</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">32,974</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="WIDTH: 52%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">&#160;&#160;Global Business Travel (GBT) Revenue Net of Interest</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.16%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(405</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(801</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 52%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">&#160;&#160;Gain on Sale of Concur Investment</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(719</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1.16%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(719</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 52%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">&#160;&#160;Adjusted Revenue Net of Interest Excluding GBT and Concur</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8,388</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1.16%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">8,142</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">33,573</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">32,173</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="WIDTH: 52%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">&#160;&#160;FX<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">44</font>- Adjusted Revenue Net of Interest Excluding GBT and Concur</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.16%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7,961</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">31,832</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="WIDTH: 52%; VERTICAL-ALIGN: middle">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.16%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="WIDTH: 52%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">&#160;&#160;YoY% Inc/(Dec) in GAAP Revenue Net of Interest</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">7%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.16%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#ffffff" style="WIDTH: 52%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">&#160;&#160;YoY% Inc/(Dec) in Adjusted Revenue Net of Interest Excluding GBT and Concur</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">3%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1.16%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">4%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="52%" bgcolor="#cceeff" style="WIDTH: 52%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt">&#160;&#160;YoY% Inc/(Dec) in FX<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">44 </font>&#160;-Adjusted Revenue Net of Interest Excluding GBT and Concur</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1.16%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr></table>
</div>

<div>&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Note: This schedule adjusts for operating performance of Global Business Travel as reported in Q3&#8217;13 and Q4&#8217;13. It does not include other Global Business Travel-related items, including equity earnings from the joint venture and impacts related to a transition services agreement that will phase out over time.</div>

<div>&#160;</div>

<div>
<hr style="TEXT-ALIGN: left; BACKGROUND-COLOR: #000000; WIDTH: 2in; COLOR: #000000" noshade>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr valign="top">
<td align="right" style="WIDTH: 9pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">44</font></div>
</td>
<td align="left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">See Note 2, page 1.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">15</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER AND FULL YEAR 2014 OVERVIEW</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">ANNEX 2</font></div>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">The following table presents a comparison of the Company's Tier 1 and Tier 1 common risk-based capital under Basel I rules, Tier 1 and common equity Tier 1 risk-based capital under Transitional Basel III rules, and estimated Tier 1 and common equity Tier 1 risk-based capital under Fully Phased-in Basel III rules, for purposes of calculating the estimated Tier 1 and common equity Tier 1 capital ratios and the supplementary leverage ratio under Fully Phased-in Basel III rules.&#160;</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="bd34794db6c840d189c14f8aeb622794" width="100%" style="WIDTH: 90%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr style="HEIGHT: 13px;">
<td valign="bottom" width="88%" style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: middle">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;(Billions, except ratios)</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Tier 1/</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Tier 1 Common/</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Common Equity Tier 1</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="TEXT-INDENT: 9pt; WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Risk-Based Capital under Basel I</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">17.6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="TEXT-INDENT: 9pt; WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Adjustments related to:</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="TEXT-INDENT: 18pt; WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">AOCI</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(0.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="TEXT-INDENT: 18pt; WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Transition provisions for intangible assets</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.6</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 1.2pt; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 17.85pt; FONT-SIZE: 10pt">Deferred tax assets</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 1.2pt; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 17.85pt; FONT-SIZE: 10pt">Other</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.0</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Risk-Based Capital under Transitional Basel III</div>
</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">18.2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="TEXT-ALIGN: left; TEXT-INDENT: 9pt; WIDTH: 88%; MARGIN-LEFT: 0pt; VERTICAL-ALIGN: middle; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Adjustments related to:</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; WIDTH: 88%; MARGIN-LEFT: 0pt; VERTICAL-ALIGN: middle; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">AOCI</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(0.3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; WIDTH: 88%; MARGIN-LEFT: 0pt; VERTICAL-ALIGN: middle; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Transition provisions for intangible assets</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(0.7</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; PADDING-LEFT: 0pt; WIDTH: 88%; MARGIN-LEFT: 0pt; VERTICAL-ALIGN: middle; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Deferred tax assets</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(0.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr style="HEIGHT: 14px;">
<td valign="bottom" width="88%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; TEXT-INDENT: 9pt; WIDTH: 88%; MARGIN-LEFT: 0pt; VERTICAL-ALIGN: middle; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Other&#160;</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">0.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 14px;">
<td valign="bottom" width="88%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Estimated Risk-Based Capital under Fully Phased-In Basel III<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(a)</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">17.2</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: middle">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; WIDTH: 88%; MARGIN-LEFT: 0pt; VERTICAL-ALIGN: middle; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Risk-Weighted Assets under Basel&#160; I / Transitional Basel III</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">133.3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr style="HEIGHT: 18px;">
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Estimated Risk-Weighted Assets under <font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Fully Phased-In </font>Basel&#160; III<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(a)(b)</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">134.3</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Tier 1 Common ratio under Basel I Rule</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">12.7%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Common Equity Tier 1 ratio under Transitional Basel III Rule</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">13.1%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Estimated Common Equity Tier 1 ratio under Fully Phased-In Basel III Rule<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(a)(b)(c)</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">12.2%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Tier 1 Risk-based Capital Ratio under Basel I Rule</div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">13.2%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Tier 1 Risk-based Capital Ratio under Basel III Transitional Rule</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">13.6%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Estimated Tier 1 Risk-based Capital Ratio under Fully Phased-In Basel III Rule<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(a)(b)(d)</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">12.8%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="WIDTH: 88%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Total Assets</div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">159.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Estimated Total Assets for Supplementary Leverage Capital Purposes<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(a)(e)</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">183.1</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#cceeff" style="WIDTH: 88%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 4.35pt; FONT-SIZE: 10pt">Estimated Supplementary Leverage Ratio under Fully Phased-In Basel III Rule<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(a)(f)</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">9.4%</div>
</td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="88%" bgcolor="#ffffff" style="WIDTH: 88%; VERTICAL-ALIGN: top">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" bgcolor="#ffffff" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" bgcolor="#ffffff" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="fe502552d8aa480fa78aaa0cb598344d" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">(a)</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">Estimated common equity Tier 1 capital, Tier 1 capital, risk-weighted assets and total assets for supplementary leverage capital purposes under the fully phased-in Basel III Rule reflect the Company&#8217;s current interpretation of the fully phased-in Basel III rules using the standardized approach.&#160; The estimated fully phased-in Basel III amounts could change in the future if the Company&#8217;s business changes.</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="69f9f3738e2d42bcacea6e29fc3e2e8a" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">(b)</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">Differences in the calculation of risk-weighted assets between Basel I/Basel III Transitional and fully phased-in Basel III include adjustments relating to the impact of the 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.</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="67ac6a882625421daa37dced7d65220c" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">(c)</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">The common equity Tier 1 capital ratio under the fully phased-in Basel III rule is calculated as common equity Tier 1 capital under fully phased-in Basel III rules divided by estimated risk-weighted assets under fully phased-in Basel III rules.</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="4880077de35546d1bc90f53187129c70" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">(d)</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">The Tier 1 risk-based capital ratio under the fully phased-in Basel III rule is calculated as Tier 1 risk-based capital under the fully phased-in Basel III rule divided by estimated risk-weighted assets under the fully-phased in Basel III rule.</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="50b0c7331359439cb857ebb12ec5f412" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">(e)</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">Estimated total assets for supplementary leverage capital purposes under fully phased-in Basel III rules includes adjustments for Tier 1 capital deductions, off-balance sheet derivatives, undrawn unconditionally cancellable commitments and other off-balance sheet liabilities.</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="cde2a27ae49e4c46b6f55b4434649e68" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right">(f)</td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">The fully phased-in Basel III supplementary leverage ratio is calculated by dividing fully phased-in Basel III Tier 1 capital by the Company&#8217;s estimated total assets for supplementary leverage capital purposes under the fully phased-in Basel III rule.</td>
</tr></table>
</div>

<div style="TEXT-ALIGN: left">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">16</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold">
<div style="BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER AND FULL YEAR 2014 OVERVIEW</font></div>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">ANNEX 3</font></div>
</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Calculation of Net Interest Yield on Card Member Loans</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="7e78efa345894c03a0cf12b346d4de1d" width="100%" style="WIDTH: 90%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td valign="bottom" width="52%" style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(Millions, except percentages and where indicated)</div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Q4&#8217;14</div>
</td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Q4&#8217;13</div>
</td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Full Year 2014</div>
</td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 16px; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; WIDTH: 20px; VERTICAL-ALIGN: bottom">&#160;</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: right; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Full Year 2013</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="52%" style="WIDTH: 52%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net interest income</div>
</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,424</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,319</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,472</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="WIDTH: 1.1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,047</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="52%" style="WIDTH: 52%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Exclude:</div>
</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="WIDTH: 1.1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr bgcolor="#cceeff">
<td nowrap valign="bottom" width="52%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 2%; WIDTH: 52%; MARGIN-LEFT: 0pt; VERTICAL-ALIGN: bottom; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Interest expense not attributable to the Company's Card Member loan portfolio</div>
</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">250</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">279</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,019</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="WIDTH: 1.1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,181</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr bgcolor="white">
<td nowrap valign="bottom" width="52%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 2%; WIDTH: 52%; MARGIN-LEFT: 0pt; VERTICAL-ALIGN: bottom; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Interest income not attributable to the Company's Card Member loan portfolio</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(92</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(91</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(359</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; WIDTH: 1.1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(361</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="52%" style="WIDTH: 52%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Adjusted net interest income<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(a)</font></div>
</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,582</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">1,507</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">6,132</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="WIDTH: 1.1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">5,867</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="52%" style="WIDTH: 52%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Average loans<font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"> (billions)</font></div>
</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">67.7</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">64.4</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">66.0</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="WIDTH: 1.1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">62.8</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="52%" style="WIDTH: 52%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Exclude:</div>
</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="WIDTH: 1.1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="52%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 2%; WIDTH: 52%; MARGIN-LEFT: 0pt; VERTICAL-ALIGN: bottom; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: -9pt; FONT-FAMILY: 'times new roman', times, serif; MARGIN-LEFT: 9pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">Unamortized deferred card fees, net of direct acquisition costs of Card Member loans, and other<font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"> (billions)</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(0.2</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(0.2</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(0.2</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; WIDTH: 1.1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">(0.3</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="52%" style="WIDTH: 52%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Adjusted average loans<font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt"> (billions)</font><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(b)</font></div>
</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">67.5</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">64.2</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">65.8</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="WIDTH: 1.1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">62.5</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-STYLE: italic; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white" style="HEIGHT: 12px;">
<td valign="bottom" width="52%" style="WIDTH: 52%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net interest income divided by average loans<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(c)</font></div>
</td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.4%</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.1%</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.3%</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="WIDTH: 1.1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.0%</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="52%" style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt">Net interest yield on Card Member loans<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(d)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</div>
</td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</div>
</td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</div>
</td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; WIDTH: 1.1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom">
<div style="FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3%</div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; WIDTH: 1%; VERTICAL-ALIGN: bottom"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font></td>
</tr></table>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(a) Adjusted net interest income, a non-GAAP measure, represents net interest income allocated to the Company's Card Member loan portfolio excluding the impact of interest expense and interest income not attributable to the Company's Card Member loan portfolio. The Company believes adjusted net interest income is useful to investors because it is a component of net interest yield on Card Member loans.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(b) Adjusted average loans, a non-GAAP measure, represents average Card Member loans excluding the impact of deferred card fees, net of deferred direct acquisition costs of Card Member loans, and other. The Company believes adjusted average loans is useful to investors because it is a component of net interest yield on Card Member loans.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(c) This calculation includes elements of total interest income and total interest expense that are not attributable to the Card Member loan portfolio, and thus is not representative of net interest yield on Card Member loans. The calculation includes interest income and interest expense attributable to investment securities and other interest-bearing deposits as well as to Card Member loans, and interest expense attributable to other activities, including Card Member receivables.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(d) Net interest yield on Card Member loans, a non-GAAP measure, 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 &#8212; Card Member loans; therefore, such reserves and net write-offs are not included in the net interest yield calculation. The Company believes net interest yield on Card Member loans is useful to investors because it provides a measure of profitability of the Company's Card Member loan portfolio.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">17</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div>&#160;</div>
</div>

<div style="TEXT-ALIGN: center; BACKGROUND-COLOR: #ffffff; FONT-STYLE: italic; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER AND FULL YEAR 2014 OVERVIEW</font></div>
</div>

<div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold">CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt">This supplement 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 the Company&#8217;s expected business and financial performance, among other matters, contain words such as &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;estimate,&#8221; &#8220;anticipate,&#8221; &#8220;optimistic,&#8221; &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;aim,&#8221; &#8220;will,&#8221; &#8220;may,&#8221; &#8220;should,&#8221; &#8220;could,&#8221; &#8220;would,&#8221; &#8220;likely,&#8221; and similar expressions.&#160; 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.&#160; The Company undertakes no obligation to update or revise any forward-looking statements.&#160; Factors that could cause actual results to differ materially from these forward-looking statements, include, but are not limited to, the following:</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="17915f87f48a44b2965ae0982c89973f" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">the ability to control operating expenses in 2015 and beyond, 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, the Company&#8217;s decision to increase or decrease discretionary operating expenses depending on overall business performance, the Company&#8217;s ability to achieve the expected benefits of the Company&#8217;s reengineering plans, which will be impacted by, among other things, the factors identified in the bullet below, the Company&#8217;s 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 related expenses;</font></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="69433561cbc84397a656e680f1fc7e18" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">the possibility of not achieving the expected timing and financial impact of the Company&#8217;s restructuring plans, which could be caused by factors such as the Company&#8217;s inability to mitigate the operational and other risks posed by planned staff reductions, the Company&#8217;s inability to develop and implement technology resources to realize cost savings, misestimating hiring needs and higher than expected redeployment rates;</font></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="20a7cc4ddc604ce19b1cba434b2aceca" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">the ability of the Company to meet its 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 the Company&#8217;s success in implementing its strategies and business initiatives including growing the Company&#8217;s share of overall spending, retaining and growing our partner relationships, increasing merchant coverage, enhancing its prepaid offerings, expanding the Global Network Services business and controlling expenses, and on factors outside management&#8217;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></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="71922f3e29c5421187c486f974e6e235" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">the ability of the Company to meet its 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 the Company&#8217;s capital plans by its regulators, the amount the Company spends on acquisitions, the Company&#8217;s results of operations and capital needs in any given period, and the amount of shares issued by the Company to employees upon the exercise of options;</font></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="ecd046f8e4ca4619a75fb4e356c7b7fe" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">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 cobrand relationships and the success of marketing, promotion or rewards programs;</font></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="fba10096f8844e07a4d90389df509353" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">the impact of final laws and regulations, if any, arising from the European Commission&#8217;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></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">18</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left">&#160;</div>

<div style="TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff">
<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">AMERICAN EXPRESS COMPANY</font></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">FOURTH QUARTER AND FULL YEAR 2014 OVERVIEW</font></div>
</div>

<div style="TEXT-ALIGN: left">&#160;</div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="5c690a02cf364e2ab86eddc6077c6bf2" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">
<div>&#160;</div>

<div>&#160;</div>
</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">the possibility that the Company will not fully execute on its 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></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="410fbfefaaea4b5f9dc7c620828042e7" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">changes affecting the Company&#8217;s ability or desire to issue preferred shares during the first quarter of 2015, such as actions by bank regulatory agencies, capital needs, any reduction in the Company&#8217;s credit ratings, which could materially increase the cost and other terms of preferred shares, and market conditions, among other factors;</font></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="1f18879829ac4054baa3f0b7774864fe" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">changes affecting the Company&#8217;s ability or desire to execute its share repurchase program, including repurchasing up to $1 billion of its common shares in the first quarter of 2015, such as actions by bank regulatory agencies, acquisitions, results of operations, capital needs and the amount of shares issued by the Company to employees upon the exercise of options, among other factors, which will significantly impact the potential decrease in the Company&#8217;s capital ratios;</font></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="7db21cc36bfd408ea31cb41b24407c73" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">the Company&#8217;s funding plan for the full year 2015 being implemented in a manner inconsistent with current expectations, which will depend on various factors such as future business growth, the impact of global economic, political and other events on market capacity, demand for securities offered by the Company, regulatory changes, ability to securitize and sell receivables and the performance of receivables previously sold in securitization transactions;</font></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="e3c41113ce354a89a938016888e3d57c" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">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) 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) the imposition of substantial monetary damages and penalties, disgorgement and restitution; and/or (iii) damage to our global reputation and brand;</font></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="2ee9c74ef2e44f53a1d8419700610bf9" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">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 the Company&#8217;s effective tax rate and have an adverse impact on net income; and</font></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt"><font style="FONT-FAMILY: 'Times New Roman'"><br>
</font></div>

<div style="TEXT-ALIGN: left">
<table cellpadding="0" cellspacing="0" id="09a172db69b04c5f8b3f6e903ed2970b" style="WIDTH: 100%; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'times new roman', times, serif">
<tr>
<td style="WIDTH: 18pt">&#160;</td>
<td style="WIDTH: 18pt; FONT-FAMILY: symbol; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; ALIGN: right"><font style="FONT-FAMILY: 'times new roman'">&#8226;</font></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'times new roman', times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top"><font style="FONT-FAMILY: 'times new roman'">factors beyond the Company&#8217;s control such as changes in global economic and business conditions, including consumer and business spending, the availability and cost of capital, unemployment and political conditions, fire, power loss, disruptions in telecommunications, severe weather conditions, natural disasters, terrorism, cyber attacks or fraud, which could significantly affect spending on American Express cards, delinquency rates, loan balances and travel-related spending or disrupt the Company&#8217;s global network systems and ability to process transactions.</font></td>
</tr></table>
</div>

<div style="MARGIN-BOTTOM: 10pt"><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 10pt; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; MARGIN-RIGHT: 0pt">A further description of these uncertainties and other risks can be found in the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2013, the Company&#8217;s Quarterly Reports on Form 10-Q for the quarters ended March 31, June 30 and September 30, 2014 and the Company&#8217;s other reports filed with the Securities and Exchange Commission.</div>

<div style="MARGIN-BOTTOM: 10pt">&#160;</div>

<div style="TEXT-ALIGN: center; MARGIN-BOTTOM: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;<font style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">19</font></font>

<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>logo1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 logo1.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``4%!0@%"`P'!PP,"0D)#`T,#`P,#0T-#0T-#0T-#0T-
M#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T!!0@("@<*#`<'#`T,
M"@P-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-
M#0T-#0T-#?_$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`(H#I@,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/I#X=>/;3XB:0FK6B^0^YHYX"X=H95Y*%@J[@5*LC;5W*PX
M!R!M.GR<LD[QDKIVMY-6Z---?<UHT90GS.46K.+M;R>J:VT:^YIKH<N/BUGQ
MN?`WV+H,_;/M'_3K]I_U'D?\`_UW^U_LUG07MXU9?#[-2?>]IQAY6^*_7:WF
M;5U[!4GO[1)]K7<EYW^'RW/8ZD04`%`!0`4`%`!0`4`%`!0`4`%`!0!5O[K[
M%;2W.-_DQO)MSC.Q2V,X.,XQG!QZ&LJL_90E4M?EBW;:]E>U]32$>><87MS-
M*_:[L?'O_#7/_4$_\J/_`-PUJ9G1^&?VI]+U2[2UU:QDTR.5U19UG6YC3=D;
MI<Q0,B@XR563@DD`#G:$/:-03M)Z)/9O2ROW;NM5;:[U=LY2<%>UTM[;_)=?
MOOV3>C^J%8.`RD$$9!'0@]"*R:MH]RTTU=;/86D,Y?QKXD_X0_1;O6O*^T_8
MH_,\K?Y>_P"95QOV2;>N<[&^E8U)^S2=KWE&/;XFE?Y7^9K"'.VKVM&4O_`8
MN5OG:QG?#GQG_P`)_HD.N?9_L?GM*OD^;YVWRY&3/F>7%G=MS]P8SCGK794I
M^SY=;\T5+:UK]/\`@G-&7,Y*UN65O7W4[_B=S6)H%`!0`4`%`!0`4`%`!0`4
M`%`!0`4`%`'E?Q7^)G_"L+"WO_LGV_[3<>1L\_R-O[MWW;O)FS]W&-HZYSQB
MLG.TU3MO&4K]N5Q5K>?-^!:C[KGV<5;U4G^'+^)T7@+QK:>/M(AUFS'E^9E9
M82P9H95X>-F`7.."K;5W(5;:,X'74A[-JSO&24HNUKKTN[----7>JW:U.>$^
M:Z:M*+LU>_FGZ---?=NF<?IOQ9^W^-9_!/V+9]F5V^U_:,[ML22X\CR!C._;
M_KCC&>^!C1_?0G/;DYM-[\M54_*U[\W7MYEU7[&5.&_.TK[6O3E4\[[6Z=_(
M]BH*"@`H`*`"@`H`*`"@`H`*`"@`H`*`,+Q/K7_"-Z3=ZMY?G_8;>6X\K=LW
M^6A?;OVOMW8QNVMCK@]*RG/V:YK7UBNWQ24?PO<UIP]I)0O;?\$W^A\H?\-<
M_P#4$_\`*C_]PUJ9'8^"_P!IK2_$E_%INI6<FEO<OY<<OGK/#O;:$$C>5"R;
MV)7.QE4[<G#$IM"'M/=B_>ULFK7MT3OO;9-*^RULGE.?LUS27NK=KHNK:[+2
M[5^]K)L^FZQ-0H`X7XC^-?\`A7VB2ZY]G^V>0\2>3YODY\V14SO\N7&W=G&P
MYQC(ZUE*?(X1M\4FO3W92O\`^2V^9<8\RD]N57]?>C'];FGX+\2?\)?HMIK7
ME?9OML7F>5O\S9\Q&-^R/=TSG8OTKJJ0]FU&]_=A+M\45*WRO;SW.:G/VD7*
MUK2G'_P"<HWZ;VOY7MKN=/61L%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`'F?Q4
M^(O_``K/2X]4^R_;_-N%M_+\[R,;DD?=O\J;./+QMVC.<YXP<G/EG&%OB4G?
MM:WYW-H4^:,YWMR).UM[R4?EO?J:/PZ\>VGQ$TA-6M%\A]S1SP%P[0RKR4+!
M5W`J59&VKN5AP#D#KG3Y.62=XR5T[6\FK=&FFON:T:.2$^9RBU9Q=K>3U36V
MC7W--=#EQ\6L^-SX&^Q=!G[9]H_Z=?M/^H\C_@'^N_VO]FLZ"]O&K+X?9J3[
MWM.,/*WQ7Z[6\S:NO8*D]_:)/M:[DO._P^6Y['4B"@`H`*`"@`H`*`"@`H`*
M`"@`H`*`(YI/)C:3&=BEL=,X&<5G.7LX2G:_+%NW>RN7"/-)1VNTOO=CXX/[
M7&"1_8G3_J(__<-6A27*VNS:^XW/#_[5FFW]RL&K:?+I\3LJB:.<7*IDX+2*
M88&"KP24\QL9.W@`[0BIM1O9MV5]O*[Z7>FUENVE=K&4G!<R5TNBW^2ZZ7>]
M]+)-L^K(I4G19(R&1P&5@<@J1D$'N"#D&LVG%N,E9IV:[,J+4DI1=TU=/NGL
M/I%'/>+->_X1?2+S6/+^T?8;>2?RM_E[]BEMN_:^W/3.QL>AK*<_9I.U[RC'
MM\4E&_RO?S+A'F=MM)/_`,!BY?C:QS_PS\=_\+%T8:S]F^P[II(O*\WSO]61
M\V_RHNN>FSCU-=4H<BA*_P`<7+T]Z4;>?PW^=CFA/GE.-K<DE'UO",[^7Q6Z
M[7ZV/0:R-@H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`\K^*_P`3/^%86%O?_9/M
M_P!IN/(V>?Y&W]V[[MWDS9^[C&T=<YXQ63G::IVWC*5^W*XJUO/F_`M1]US[
M.*MZJ3_#E_$Z+P%XUM/'VD0ZS9CR_,RLL)8,T,J\/&S`+G'!5MJ[D*MM&<#K
MJ0]FU9WC)*47:UUZ7=FFFFKO5;M:G/"?-=-6E%V:O?S3]&FFONW3./TWXL_;
M_&L_@G[%L^S*[?:_M&=VV))<>1Y`QG?M_P!<<8SWP,:/[Z$Y[<G-IO?EJJGY
M6O?FZ]O,NJ_8RIPWYVE?:UZ<JGG?:W3OY'L5!04`%`!0!^>OPRUR\^#7B"UA
MU1L:5KUK;3,^#LV3H&BF&>C02,T<O/W-YP?DKMA\=7`3^*$W&/\`C6B:_NU(
MZ>4K7?NLY9JT(8N"T:=TEJXIVE'_`!1:YDE=V>GQGH49#?&XD<@KD$="/[+K
MFP6D,4GVG_Z?IG9C'>.%:VM#_P!+J'>?%3XJ:UIVKQ>#_!D"W&L3)ODD95?R
M@REE5%=A&'"CS7>;,:+M!5MQ*\T.:M*:IZ1I_$]-]+ZO115TN[D[*UM;ERT8
MQG4WF_=6NUVNFK;:>B>B3;\N-T;XI^./`>J6FG_$2!6L]1DV)<;;4/&247<'
MLV\ADC+`R(RB3:Q8-P%/92Y*L_J^U1KW7KJW>R:>_,[1O&W*[76K.6IS4X.N
MM81^+;1;NUM4[)M)_%9I=UV_B_QQK?A+Q_IFGS7.=`U=400&*#Y96W0\2B,3
M8$IBDYD(PY'W1@989>TJ5J%362BY4^EO=YEM:_P3C9]UUU-*[Y*5.M3TUM.V
MMTI+FEK?3DFG[MM8OY\1\;?C+K7@_P`2P:7HMP(;:VAADNH_*@D\UW<N4+21
MNZ?N@H^0H?GSUP:RP\E*L_:O]TIQBUY))S=U9_:MOHX^IK6ARTHJ&E249R4G
MLD_=AIY2C)ONFCM?C1\1M3T2#1[7PO/Y%[K4RLC^7#+F%E15&R:.0#>\R$$+
MGY"`>H.L:<I8M81Z*-U.UM/>M?Y*,W\C)3BL*\7:]TG%7UMRN4K+K]E:_P`Q
M'\2_B-KVBZOI_@OP^]NFIWT"-)?W80(&?>@*KM\I6+1LYS$X)*HD1S@Q&^(J
MU(TK0A&[2W>W/97NVE%I:)R;;=TE<;_V>C"I5]Z<K)]%NHWTY5K)OJDDMG=6
MK:=>?%;PMJEM;ZLEKXCLKIAYKVJQ1F!`55L2>39*C_.'42(ZN%8*5PQ&U-PE
M+V=1.*M\?:^VE]5&VJ24K.ZOHB)J48NI!W?\GFKOLFN;:]W%.U][/Z6K(L*`
M"@`H`*`"@#*UW_D'77_7M-_Z+:N3$_P*O^"7Y,Z*'\6G_CC_`.E(^$/@C\8]
M'^&NGW5GJD-Y-)<W"RH;:.%U"B,)AC+<0D'([`C'?M7I2FG3A35[Q<F^WO<M
MK?=J<*BU4E/HXP2[WBYM_P#I2_$7XI^.K;XVWFGZ;X7T^Z:[B9P9)8XA*5?:
M`O[EYML*'YW=Y`J]2`,FN>G1E.MSIJ,;6;Z+5/FEM\*NENW=I:V3Z)U8TZ3B
MTV[IKOHI>['NY73>WPJ]]U]2?$+QT/A-X:@D95N;[9%:6Z'(1YDB`:1\$-Y:
MA2Q`(9B53*EMP=>HZM9QHKWJDI276T>;LMW[R27=]D1AJ7LZ455>E.$(NV[E
M:R2?2]FV^B3W=D>%3^.?BYX>A/B35+5'TH!9'@>*T")&Q7DK"_VZ/`XW2EMF
M[+@X&&VJ#Y*VNMM^K>RE'W4[NRNGKIJPC>LN:CIIS+3HE=NTM6K*[LT^UD>N
M^-_%-OXS^&EYK5H"D=U9[BA.3&ZRJLD9(ZE'5ES@9`!P,UCC*?LG"*=TZE*4
M7M>,I1:=NCL]5T=T:X2?.Y75I*%5-=FJ<]MM'NGU33.;^%/BRV\#_#%-;NU:
M2.U>XQ&F`SN]TT:(,\#<[#)[+DX.,5V8N3@J7*KR=."BF[*^KU\DDV_):'/0
MBI3JW=HJ3;?DH0_%NR7FUJ<+;^.?B[XAA'B/2[5$THAI$@6*SV/&I;D+,_VV
M0$<;HF4/MR@'-823PZYJVNG,[[).-[VB[I?:LW==;HT5JSY:6FME9]4]KO1O
M[+M;6]K,]_\`AC\3(_'^@OJSQ&.ZLRZ74$(9_G1-X,*\NPE4@HG+!LIEB-QT
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M\GQ1M\6F^G:R?,G?1>ZTT^R\M\8?%3Q;XFUVY\-?#N`,=.)6XN2L#,71MK[6
MNB+:.,,#&-X+R$,4Q@5RTN>K%UUI33LME>][-W_FMS)1V23;ULNBIRTFJ3^-
MJ[\MG9)?RW2DWHF[635WI?#OXI^)+37T\'>/(%AOKA-UO.!&K,V&8"3R&-NZ
MR!&"/%M`==A!W97KI\E:,U#2=-7:ULTDKZ/522?-IHXWM:VO-/FHN,I:PF[7
MTNFY-+5:-7M"UN9:-MZGTY6)J%`!0`4`%`!0!\L?M7_\@&P_Z_\`_P!MY:YG
M_&A_U[J?^E4C=?PI?XX?E4/+?A7KMW\'/$R:)K#8TW6([=]_.P&9`UO<+GH`
M6,,W888G/E@UZM/WW4P<OCISDH_XT[6]*D4G'^]RK2\CSI:0I8V'P3IQE+_`
MU=K_`!4Y7]8W:7O1.U\.?\EIO_\`KG+_`.DD-<F#_A5_2I_ZDQ-<7_%P_P#B
MA_ZC3.O^)OQ4UY-;'@WP-`)]4";IYBJ/Y99-X5!*1"FQ2KO)/F,%E3;G-8T^
M>LYN&D(;O35II/5Z6O[ME[S=[6MKTSY:48\_Q3V79.]M%JY-)R[*.K33TY[P
MU\4_&?@[6;31/B)`ODZF^R*YQ;JZ,S!5.ZT8V[QJS*LB[5=`P<L<;6ZZ7)6D
MZ"TJ)76^KU:3O_-9QBX]4DT[MKFJ<U*/MMZ=W?;1*UVGTY5[S3NW=V>R.OUG
MQOK?AKXCVFB7ESOT/58E,,)B@'ER.C1@"58Q,?W\?\4AXD`YP*RPW[R5:C/6
M<4Y0?DDIZVT^%5(_)/?4TQ'[N%*M#2+DHSZW=^5^:^.G-O;=;:+@OBU\:M8\
M*^,(],TNY$6G68MOM<0A@D\QF;S91O>-Y%S"RI\C*0<D8/-+"-5:K536FZG(
MNB2LHN5U9Z2;>]O=MW-,1%PI+V27M'"4EKU;:BFGHM$GMM*[TL=[\9/'^KZ1
M>:-HOABX^S7>KS`M((H9OW+LD<?R31RX#,Y?<`#B,C.,U5&+GBE0E\$%>HOF
MV]>G+&$OO1G.48X9XA;R?N7T3M&]GYMS@EHWO\Z_Q'^(OB"V\16O@CPNUM;7
MMS"KO?7FW`9E<C8I5HU($98YBE+LP1(QCYLZ:EB)U5"T8T^G5_#)I7NVK24;
M)7WDVDKJI6H4X.=Y3DEKLMW&^EM7)-](K16=[(T.^^*7AO5[>RUR.V\06-R<
MRSVJQQ?9TW*K$2>59J&3=OV21L9%W!&X)7>GRR;A-<J2^/S:;6EW=:6:235T
M];I/*HI1BITVF[_!Y+?6VC=]&VXZ6=M6?1]9&@4`%`!0`4`%`'#?$[_D5-7_
M`.P==?\`HEZYJ_P?]OT__3D3IH?Q%Z2_])9\D?!OXX:)\/-#.DZG!?2SFYEF
MW6\<#1[75`!F2YB;=\IR-N.G)KT)S4HTXJ]X1<7ZN<Y:?*2[:W/.IP<)U)NU
MIR37HH1CK\T^^AD>.?$4?QT\3:?#X7L9XI(E"RS2I&LA0R(3+-Y32!8K<9VL
MTIR7*@*2`TX2#AB/;RLH1<)/M[C<F_\`%/2*76RU[;5YIT?9*[E[Z2>S<DDD
MM]-&V[65V]KL^H_B_P#$U_AQ8016,0NM5U!C%:QL"RC;M#2,JD,^"RJB*07=
MAS@&N9N52JJ-)>\]7Y)NR2\Y.]KZ))M[6>D(JG2=2H_=@E'>UW:[;_NI*\O5
M+2]UXC<?$#XK>!5&M^);5)]+9UWQNMFHC5VX4-:-Y\3<A%,X<`X#!FSG6,H4
MY*G5N[NUUOHG>S7N-Z7MUM9-;D.,IISI:65[-:6NMT_>\M]+W=]#T?XX:S;^
M(OARVJ69)@O#93)GJ`\T9PP[,I^5AV((K+$0=*K3IO6U1ZK9KV51IKR:LT:4
M)\].<K6]VS79JI!-?)IH=X=\<0?#WX9:?K$R><ZVRQP19V^9,[R;%)[*,%G(
M!(16P"<5T8N;C.$(_%*%)*^RM1BVWY)+RN[*ZO<YL'#FA-RTC&=:4K;V]M-)
M+S;:5^E[]#S'_A./B^+;_A*/LT?]D^5]H\GR;3RO)V9W^7YG]H;-O[S/F9QS
M]SBH?^S.U=;-)WT:NU_+I%]/>6E]5<VC^_M['Y<NO-OMS7YO+EWMIY_17A3X
MDP^*/"S>)X+>1Y((I3-:0@RR>?"N6BC"C<V_Y2AQG:X)`YIXA>Q2G3]Y22</
MF^7WK;<LKJ3[)LF@_:R=.;47&5I/RMS)I;ZQ:LOYO=N]SYO?QS\7=?@FUW38
M/L6G6YD+1+!9+L$)8R#9>;KN0J!M8H.2I"J&R*S;]C%5*K3C\7E:]GI'WE&Z
M>[O;6]M32WM9.E234KJ*76\E>.LERMV:V5MM.A[5\*OBO/XP\-7FM:I$B7&E
M&7SO)R%E6.+S@RJQ.QBN5*[F&1N&`VT:XCEHT5B(K=.\?[T6EOV=T]M+M:VU
MB@G5K?5V]6X6?E-M*Z[II^JL>:>'?%'Q,^*4$NL^'KW3-+M(I7B6U*QO(=OS
M#<9+6Z;<00NYWA5R-P15YJ>25*,:D_?YE>RT6C::Z6NUMS-VMJKZG/&<I4X+
MEY6M7YI->J7=1M=M:VLO</ACKOB?6+*4>+K#^S[F!\)*NU4G3G)\KS'=&0CD
MD!'!#)W%7+DY(U$^5V]Z+Z*R:?E>]G%ZII^BA<T9RIOWHK1275IM-=+[7BTK
M-/T;\(UKXO>,_&^LW&D_#VW`M[0LOG[(&=_+<!I3)='[-&K'Y8T(+%&W9+$;
M,*<:E2"Q+35-O1:):JZ3;U<K/F:C:VVJ3;Z*KA2G]7NG46^]TT[.R6T4_=YF
MFF^JND=3\._BGXDM-?3P=X\@6&^N$W6\X$:LS89@)/(8V[K($8(\6T!UV$'=
ME>FGR5HS4-)TU=K6S22OH]5))\VFCC>UK:\T^:BXREK";M?2Z;DTM5HU>T+6
MYEHVWJ?3E8FH4`%`!0`4`%`'S/\`M4?\BO;?]A&+_P!$7%<L_P"+3])_^VG;
M2_A5_P###_TY$\-^&6N7GP:\06L.J-C2M>M;:9GP=FR=`T4PST:"1FCEY^YO
M.#\E>O#XZN`G\4)N,?\`&M$U_=J1T\I6N_=9Y$U:$,7!:-.Z2U<4[2C_`(HM
M<R2N[/3XST*,AOC<2.05R".A']EUS8+2&*3[3_\`3],[,8[QPK6UH?\`I=0[
MSXJ?%S5-&U:/PCX1MQ=:Q.J%G8!Q'O5F")&2J^8$`D9Y3Y:(<LIY*\L.>O.4
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MV/E;P@"Q*S2!G)*,B@!%B8L`)_WC$5*-#W(13:ZNUI22UYMHQ[-R;6UM1?N<
M/#$5US2;LTM%=<G-=*VEYI7NN5)MOJJ-M=?%KPG?VXU$6OB6TN7`D6U2*,PJ
MOWOWGD60C9@<J9!(A*[<J2<Z4W%S5*HFEOS]KM+O9VO?ELFU>STNIFFH<\&K
MIV4>^C>MEHM+73T;5T[I/Z:4Y`)&/8]O;C(_(U!2U5WIY=A:0PH`*`"@`H`K
M7G^HD_ZYO_Z":YZ_\*I_@E_Z2S:E_$A_BC^:/SZ^"/Q;TGX9Q7\6JPW<S7DD
M31_9DA<`1B0-N\V>'!.X8P&[YQ7=SIT84M;J4Y>5I1II?/W7?Y')*#6(G5TL
MXJ/G>,IM_+WEU[E_XL_$>R^,K6&E>&M.NWO4F8AY8HA,0RE?*0123'RR2)'9
MG55V`E<98<\*,JE52C9+E:;V6KC[TGLE&V^OQ.W9]#J1A3<9-W<DTO12T6MW
M)WV2Z'T_XH\6K\'_``?:R72BYO+>WM[.&,$A9+A80I)/7RUV,[$<E1@8)%:8
MJK[2M+V2UJ3DXW6T;W<FEZI6ZMI76YEAJ7+27M-%"*<DFMV](I[==[;)NSM8
M\)?QQ\7M-MSXGN[6,Z2(Q.T#16@C6$@'<8T<7Z+M^8EWRN<M\N!2=L.^6MKK
MRO75-R2M>.B?V5=-+JFQJ]97HNVC:MLTD]?>U:^U[KUMH['LFM^,(/'7PWO]
M:ME\H3Z=<B2(G)CE1661,X&0&&5.!N4JV!G%9XN'LU'E=XN5&47Y.I'?S3NG
MYIE8:?,Y)JTHJI%KS]FVFO)IIKJKV>IS'P%UJW\.?#V75;PD06<UY,^.I";3
MA1W9CA5'<D5T8F?LZ5*5KODLEM=RK5$E\VT<V&CSU:T5I^\3;[)4:3;^239P
MUM\0/BKXY!UOPS:I!I2R.(XU2S(D5&Y4M=MYTK<%':WV`MN"A6&!ERRHI3K:
MW5[6TMKJDO>MVONDFM&=+E&;<*5U9VN]]4MV_=\[*]KV;9[;\(OBB_C_`$^X
M^WPBWU/3&V74,:MALAMKI&<NI8HZ&,EBKK@$Y`&E3E5)8FG=P:>BU=TD[+NI
M)IQ^:UM=YQYE5>'J64D]'LK7L[]$XOXK:6:>E[+Q2?XA?%'QQ?W2^%K1K"VL
MY,&)X;2.54<`QB9M0X,A4;RL07&_D%=IK"$9J"JS:LVU96LFDFTE\3LFM>OE
M>QM-P4W2@M5JF[W:NU=[)*33LK7TMK:3?H7P.^*FK^,;F\T+Q$B?;M.7<944
M1LVQ_*E25%_=AU?G=&$4Y("``&NI<E2C]8IZ).*TO9J:E*+5]591:=[]/,YI
M-TJJH3ZJ;Z:.#BFM-&O>T]'J[JW-Q^/?''Q+UK4--\'W%AH]OI4ICS<A7FE`
M=X]QWP76=S(6.R%%0;5+L3\W+2C*I2CBFURRVBNETI*^G1/=M)MNR=M.FJXT
MZGL$G=7O)]XNSMK:U]EJ[*[M>QZ3\-=8\<-?7&D^,+-'BMQB/4H0D:2N-IQM
M!02*X;*O%"@5@RLH.=O0N6=-SMR23TCW5VGI=M.ZO>]I1=U;3FPDI0FHIJ46
MM6OLO=:V2:UY;6YDUUU:XOXB?%3Q'=:\_@[P%`LM];IFXG*QL4;"L0GG$6Z+
M&&4/),&!=@@`(^;EIJ=;FG#2G!VOIJT[/5Z6;3BDO>=FT=,^2BHJ6LY[+6R3
M3:VUO;WKOW4K7O=VS_!_Q4\6^&M=M?#7Q#@5#J)"P7(6!7#NQ5,M:DVTB%R(
MSL"NA*LQ.3GKI*-9RI1TJ1BVM];)NS3[I2<6M&URVUNN6IS4DJKU@W9[:;7:
MM_+=.2ET;:>EG]6UB:A0`4`%`!0`4`?+'[5__(!L/^O_`/\`;>6N9_QH?]>Z
MG_I5(W7\*7^.'Y5#RWX5Z[=_!SQ,FB:PV--UB.W??SL!F0-;W"YZ`%C#-V&&
M)SY8->K3]]U,'+XZ<Y*/^-.UO2I%)Q_O<JTO(\Z6D*6-A\$Z<92_P-7:_P`5
M.5_6-VE[T3M?#G_):;__`*YR_P#I)#7)@_X5?TJ?^I,37%_Q</\`XH?^HTSK
M_B;\5->36QX-\#0"?5`FZ>8JC^663>%02D0IL4J[R3YC!94VYS6-/GK.;AI"
M&[TU::3U>EK^[9>\W>UK:],^6E&//\4]EV3O;1:N32<NRCJTT].>\-?%/QGX
M.UFTT3XB0+Y.IOLBN<6ZNC,P53NM&-N\:LRK(NU70,'+'&UNNER5I.@M*B5U
MOJ]6D[_S6<8N/5)-.[:YJG-2C[;>G=WVT2M=I].5>\T[MW=GLCK]9\;ZWX:^
M(]IHEY<[]#U6)3#"8H!Y<CHT8`E6,3']_'_%(>)`.<"LL-^\E6HSUG%.4'Y)
M*>MM/A52/R3WU-,1^[A2K0TBY*,^MW?E?FOCIS;VW6VB\S^-_P`9_$'AGQ(^
MD^'[P6L%K#$)5$%M+F9P9&.Z:&5AA'C7:"`"#QGFN:G)S<W]E2Y8_P#;J2;_
M`/`N9?(Z)Q4(P27O.+DW?75M)-;+1775\W:QWWB[X=#Q]\/M,-LN=2T_3K::
MU(QE_P#1X_,@SZ2J/EY`\Q4)XS79F"Y,35KQ^S.:DN\.9W^<?B7ES)?$<^":
ME25&3LI7LWM&:;L_1WY7Y._1'SI\#-0NM2\>V$MZ[23+%+%N?A@L-E)$BG@<
MJB*N3\QQ\Q)R:Z:#YHXB>[E3<F^[E5I-O337?0PKWBJ5-JRA.,5&UN57D^6W
MDV]'MMLDCH/C'H6GV7Q">;Q0;J'2-22*7S[7;YBA85ARN^.56$<L?[Q0C-L(
M*C)`/FX913JTZC<6I2<7TO)\Z;T;LTY1T^TNR9W8ARY:52FKJRC)?X6TU'56
M=G&>NCNUN]"S\*_":]U"#3K+4]<N);AE6-XXUV>8SA5C(;3EEW$G.5B*``Y8
M'`/90YO:1=-+FBU)7V=KR>VR7+[S;CH[IVNURU)*$;R^&SOY;+YN5]$KWM;=
MJ_MW[2>@M)X?MM9M0?M&BW,;A_XA%)A"<CTE$+'Z$UR>T='$4L0DOBLULKWY
MXW\KQ<?^WCIA352A4PKNUR)I=7RKEE_Y)*4FU;X4>1>$M'G^+%CXK\2W<8%Q
M=0+';J&)VR0A;@(K8&<""!?NC(/;)JJL?J^$YDW=UW5?^&#;EZZ59Q_[=(I2
M=7$PIO:-%4]=8\TX\BE;I:4'-]N;2[U*WP?N)_B)XJTEKI28/#6G*O/(S"66
M%NG4O)&0#@_N^^,GO@_>Q&,?Q3C"*?:4HJ+^]*M+RYD<4[\E+":6]I.;].9S
MO\K4H/I]Y[1\9V\":O?VVC^*I+BSU`JODW<*-'Y44C'!DF=&@>'<I#9$AC))
M&P[V'F0C&=1\CY9+25VDG:/,D[V](M6NW:]KV]&3<*:YE>#=TDKO=1ERVV?6
M2?1)V;Y;^'>(+ZY^$\UK-X/\4C6XI)!&M@LJW*1QKC:LB1SS0D-@1@I'!(`<
M1XY-=5*<Y5HTIQYU)ZMWW;44DW=IM.]U+=7:M9&$HQ4'43Y+>:36C;EVLGK:
M2:UUOJ??-I*\T$<DJ^7(Z*S+_=8J"R_@<BE-*,I1B[I-I/ND]&13;E",I*S<
M4VNS:U18J#0*`"@`H`*`,K7?^0==?]>TW_HMJY,3_`J_X)?DSHH?Q:?^./\`
MZ4CY'_9J\):-XCT;4&U:QM+UUNE17G@CD=%,*DA)&4N@R<_(PYY'->I4BO8T
M^C;J7:T>G+;5:Z=#@C)JM-=%"FTGJKMU+Z/36R^Y&3<?:_V<_%J^2TDGAO5F
MW,A^;$8)!&>OG6I8,".9(B`<ECC##5.:^$KOSC+:S>BGZ.W+42T7Q6^%&]>G
MHL306NSCZ:N#?9W;IW>CT;TDWVG[4%@^L:#IVLV1\ZTMYBSNAROEW,:^7+D<
M;25"@^KCUKFE'V6)C[9-*TH22T::DFTMTFTI6OIH=%*2JT)JGK=PJ+_"E-/[
MN97735]&>,1:-\)/L<5S)J6N"X<1^9;*D1DC+$!\L;`0,L>2Q*3,2H^0,V%K
MJDDI<L'>-W:6JTU:NM]=M$]7VU.6%W&\[*26JZ-]H[[].:WG8^@]6TC2=%^%
M5Y#H$ES/ITML\\+W:[9B)9E8Y7R8/ESG:?+`*X8%@0QQQO,E3A423C*BE;MS
MJ2OV>NJTMLU<UPG+S5)1OJJU[]U2E!V\O=\];ZGG-GI5QJWP6*6JM))#.\Y1
M02Q2.])?`')VJ2Y]E-:XVT7AZC=HQC"_ES1G!?\`DTE^9&&7,Z\%O)Z?]NQI
MS^]J+2[NR/+_``SI/PRNM)2YUW4-6M-35#YUM"J,KN,X\AA8R(%<8VB692"<
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MG+KGFAE\I+7<I5BX"&YW`H`6+#&"H4L3P!GBNN4E'!J4M4JDV[:JWLX=-;HR
M:3Q"C3O9J2C=I/XHVN]%?N]$5)O#_P`-_&-_<ZAH.M2^&+Z-BVZ9TMH"\F2[
MP).\$O4LCQI/&%Z"-5.6XH1=."=.5HO2S=WR^Z[:._*^C?-JO))]%27--QJ1
M][=NS2YDVM;KXDTI/17OOS7MTOP1\8:T_B:\\+S:B?$&EVL,CI>MN?!5DVLD
MS,[E'+E-KR2+\H\HA0<]5-^VHSJ3CRRBTD]F[MQLU97NDYIM<VCO>YS5%[*I
M"$'=2W71+DYKI7=N5VB[.VNNMCPZ?PYX>T_Q?JFF^.YKW3X?M$TD$]J`0?,E
M:1&D4V]P[))&P*M&G#9#>W%AN7V"BVU4@HQMT]U.,EHM'=)J^CB[]K]6(YE5
MYHI.$[ROLUS6DM[*R]Z,K7?,M-F>I?#CPS\-KGQ+;+X?O]9N;ZUE$T'F1J+>
M4QKO)8BQ21(Q]UC)Y.3P&Y!/;1<ES5()>[&:?-_+)<E][:\_NJ][K5='QUHQ
MDE";=FX-6_F4N9+57^S>5E;E=[Z-K[7K`W"@`H`*`"@`H`^6/VK_`/D`V'_7
M_P#^V\M<S_C0_P"O=3_TJD;K^%+_`!P_*H:OQ3^''_";^#K*\LTW:GIEE#+#
MCK+%Y,9FA]R0-\8_OJ%&`YKIQG[K$5*\=$IS4[?R\S:EZP>O^%RZV.7`^_AJ
M5%]:<'';2?(M/)3V?2_*WI$\$_9\U*YU;QU'=7KF:=[296=L;B(X5C7.`,D(
MBC/4XRQ)))ZJ7PUWUE%R?K*M3E)_-MO33L<U5<LL/%;1GRI=E&C527R22)/B
M=H.EV7Q$NAXN:[MM*U#;.EQ:[=X#1(JMAHIMR)(C(ZJA<<$>A\_#**C4IS;4
MHRFUV]Z;FKZ-V<9.S7VE;:]O1K\W[NI!)IQBFMFN6/(TME=-*7^%]VC3T7PK
M\*KW5K:PTW4M<N;B22/R66-?+:7?\J$'3EE!&`S-Y80+SOX..VAS*HI4TN:#
M4ES;/E]Y]=$K6=W'?3NN2LHNFXS?NR3B[;J]H]5JW?W;*6UK7LGZY^TMI,D&
MGZ?XFM%_TC1KQ"6](Y"K*3[":.(#TW'UKDA4^KXFG62TE>+6U[>\E?HG'VB^
M9U\BJX>I0O:R33ZI/W)6\]8R[>Z>1^'M"F^(_AWQ9XJN4Q<7<@D@4$L4-J?M
M31JV!N`C,<0^4$A>V:=6'U;"TK;^U=1M]8W=-ORUG5?R%3E[?$N+2_@JFK.W
MO22Y?3WJ5-OOS/H6O@U/=?$7QA9:I=+F'P]IL4))QRT<30QD\<L\DCRCIC;[
M<^A%)_6<7+2522Y5VE-)27IR1E?_`!+34X9NT</A(KW8\S?9*,G*+7HW2CW=
MGZGJ7QA7P#K^KP:/XEEGL-5"JJ7D2&)(XG#.GG32H8)(=PV[@'V.Y7?'^\*^
M;"*J3DX/E:^*^BDTEIKUL[IZ722N_=3]";<*<>=7B]8I:M7ERMJU[:K5/9:V
M/&]6U:_^%5_9KX2\3#Q%#<R;!8K(+B-$#*J1.J3SQ9<$1AHQ!)Q\BJ,8ZZ$I
M5*\:-5<T9-<TO5V=F]4]7+1M77O)['-4A"-*56$O9N.B6CLDFV[*R:3C:W+M
M*T7>[/ON-BR@L-I(!(]#CD?A635FTM5?<<6W%.2LVE==G;8?2*"@`H`*`"@#
MAOB=_P`BIJ__`&#KK_T2]<U?X/\`M^G_`.G(G30_B+TE_P"DL\#_`&?_``/H
M/BCPC*=6L+6ZEDNYXS-)#&9U39%@)/M\U-N25VN,$G'6O1KP3ITDO=;IR;<=
M'?VM17OU:22UOHDMCS:$VJM6^JC.-D]4E[.#M9Z6;;;];G)^']1O/V?O%QT'
M4)7D\/:BV^-V^ZJR$*EP>,"2$J(IPI`*9?;]P5&'FZZ>%JZ3CI'_`!/56ZJ%
M37393])-[UX*FUB:*?++=*[=EO'_`!0O=/5RC9?:LMO]J;26EDTG5W5Y-/0R
M03M$1N7>T<@VL0R@R(KA&8%=RC(/`/'!1AB;5;J,HQ6FZY)2YDK];332ZV?8
MW=YT+TFN:+;5[V]^*Y6[?9O&S_Q*VYYM)H?P@CCC==4UR1I"`T:QINBR,DR%
MM/5"%/!\IY#DC:",D=#5I<JU6NJVTVTWUV6F^]EJ8KX;M6>GN]=7KMIIN]=M
MKO0]N^*>E6.B?"Q;+2GGELH_LC0-<@K.4DN5D'F*8X2I^?H8T(&!CO48IR]K
M2C-)2C)0TV]RC.*ZO6RU\[Z+8,,HJG4<&VI)RU[RJQD[>5WIO=:W>YQ/C+1K
MC4_A#I$]N"PL#%<2@`D^4?/B+8'93(I8]ER3P*K%^[7I3Z>SA'T<J5-I_-QY
M?5H6"UHUH+=SJR7GRUYMK_P&\O\`MT\VTK2/A7)I<5WJ&H:S%J'EJ9K2-8V;
MS<`.(G-B8=A;)3?.#MQN^;BM*BBI6I-N#:LWO%/^;;X?M<J=_LI[$P<N7]XD
MI*^VTK;<NKMS=%)JU]6MSZ&TF\TSX;?#V]UKP0]W>PR2&6)[Y/F21WBMFD"B
M"`-%&!O^ZRLP(+D9`C$SG&-&D[1V2EU49N4[N_5[1NNJ=FK7UP\85)U)ZNT7
M==&X1;MI;O[UG>R:T:/"8?$VF>+-&DN/$_B/6I]7F655TJV25('?!2"-56%[
M4B0[2^/+)#%=H8;FFK!1BE0]^7*G[U[1EHW>^O+&W1N]N96V3IR;E^^?)!/[
M*LW#KM]IWDE=62TU6IZK^S)=V]AX;U>XO`3!#<%YE$;2GRUMP7'EHK._R@_*
M%)/(Q6]=Q6&@YZQO43[6?(ONUU;T2U;2U,*<9?691CI/EIVZ--2J_C?IO?1:
MG*P>%?A[XBDGU3PMX@E\+W"R%0MQ,D"8.UB8$DEMYS$W(`\\[6'W`H53@E*E
M%.,M'?2]Y+E;23MKK923:D[/7WKJ.S<:DN64;-=;6B[[M7T5KN+7NK31<NLN
M\^`GC'6_$%WJF@ZA=MJ]E8H1!?,"6)\QHU_>'YW69`9%\PNXVGYB#6DH^WPL
MIN/)-V@NE^:$KIVTO!\NJ2?O:]+97]AB(PB^>%G)^3C*%K7UL[R5MM/=TW^8
MO#_A_P`.:?K5WH_CN6^T[[,\D8FM0I`D1@`)$-M<2%77+*Z+R"IQ@YJ:3IU*
M*EJJG;[-K6<=-5-2NG?2R[FU=3C7DE9TW=W^UJ[QE>]G%Q:TMS7?W>W_``X\
M,_#:Y\2VR^'[_6;F^M91-!YD:BWE,:[R6(L4D2,?=8R>3D\!N03M1<ES5()>
M[&:?-_+)<E][:\_NJ][K5='S5HQDE";=FX-6_F4N9+57^S>5E;E=[Z-K[7K`
MW"@`H`*`"@`H`^9_VJ/^17MO^PC%_P"B+BN6?\6GZ3_]M.VE_"K_`.&'_IR(
M_P`7?#H>/OA]IAMESJ6GZ=;36I&,O_H\?F09])5'R\@>8J$\9KNS!<F)JUX_
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MI)7OV\M&W?I;4]\_:'\+B\\()<VX9I=%DAE1OX_*P(9"2`#P"LC8`Y3.!BN:
MI4E3Q%/%*RESM/LN9\T?_)XQ2]3>C"+HRPV\>1-)_P!Q:WV7\-SNFM7TN>.>
M!-.N/C#+XDUV]3$LNFI:0+DLJS>6K)M.!T:V1B-O'F''J=*T52PM6K'>==U$
MNJ5-^T<?/W9Q@GI?EZ&5&7-7H492]VG2Y)65OC7L^;RO>K*UWJ^MD8/PIN+G
MXA^)-!T^Z3=;>&K9V;/_`$RE=XV/']]K:/!_N'UKMIN\ZN,UO[*$%VYN14U\
MW>I-?\`YJBY(0PEGK5G)]&E)\\T_*T>6V_O6?E]"?&N;P/?SVND>+FN+>[?!
MM[F"-U:&.1]C,9V1H#$",R*1(4`W;0Q!/F1BIU&H/EFE9MV2M9RBI7W3>B:Z
MMKF2YFNYMTZ?-)<T6W9+>^B;5K6:34FKZI+W9/E3\$\2S2?"<6]YX.\5C58V
ME6-=/29+A8XPI;,B1S2P,N1M'[F%AOPASDUT0G/VBIN//?UMNDH]TVK*\97T
MV2L9.$'!S3Y+;=&[WN_DVY6DK=[L^\-'N9KVQM[BY3R9YH(I)(^?D=T5G7GG
MY6)'//%:58QA4G"#O&,I)/NDVDS"C*4Z<)S5I.*;7FUJ:-8FX4`%`!0`4`5K
MS_42?]<W_P#037/7_A5/\$O_`$EFU+^)#_%'\T?%_P"S/X7TCQ%:ZK_:UE:W
MQCE@5#<012L@99=P1G5F3.`3M(.0#U`KT'%?5X.UFYU$VM'91I65UKI=V]7W
M.%R:Q52-]%"+2Z7<ZEW;;6ROZ(K:W:W?[.OBN._TXO)X=U5OWD/7"`_/"21_
MK(-_F0-D,R?(Q/SDX8>I9O"5W[NZD^E]%/U6D:EMU9VNXVZ:\.9+$T5:2T<5
MHK[N/91G:\7]EIVT3YN__:3M3XD\)V>L::?M%I#/'<,Z<@P31,JR\?PAF0$]
MMW/0USU8NC7A[16LITW_`(FXR6OGRM)]7;N:TFJM*?+_`'9V:UM'FC)6Z-<U
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MQ:/$?!.D_#J^TW?XIO\`4]/U*-G#1PJ&BD7)*&+;97!4[<*PED7YP2/E(QK/
MD2C*G=^[K'KS=;/16>ZUTO9OJ"4E)QFK6>C[+2]UO=.][+:W70^C/A3!X8\-
MZ-J_B/P6^I7LD-J3+#?JH`DAC>9(U,5O&C-DXDV22X!'0,I::\IT:#M;E<KJ
M6NZ]URL[/E7-=Z:VM?1ETH0JXB,&W=)K39QE+I?J^3W;M;ZKMXWH'C^'Q@MQ
M<>-_$VJZ8PDS%:6"2QQ2(0"<?9XY(P00%19$&S&\NY=L3R0C!/64]4TWT2T:
M3]V[N[VMVM:PN:3E9)1C:Z:[OI_-9)+>][[WO?I_V98XK?Q3JD<(E6(6K^4)
MQB;ROM$9C,@`'SE"I;``)/`P1713;6%FYI*2G2YDME)1K<R2U>CNK;]-SFK6
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MS$.3E"I!)Q<8)_\`;L%!VZ74EJGTUZJ_3^%?"_PNO->M;/2-1UNYNQ-#);MY
M:^3)*K%PA'V!)@$V`R,R(@4Y$F`Q7NH<RESTTKPN[/:R5VWTMTU:;>EM5?CK
M*/(XS>DERNU[KF:BNF[OI:_F?=M<YJ%`!0`4`%`!0!\L?M7_`/(!L/\`K_\`
M_;>6N9_QH?\`7NI_Z52-U_"E_CA^50U?BG\./^$W\'65Y9INU/3+*&6''66+
MR8S-#[D@;XQ_?4*,!S73C/W6(J5XZ)3FIV_EYFU+U@]?\+EUL<N!]_#4J+ZT
MX..VD^1:>2GL^E^5O2)X)^SYJ5SJWCJ.ZO7,T[VDRL[8W$1PK&N<`9(1%&>I
MQEB223U4OAKOK*+D_65:G*3^;;>FG8YJJY98>*VC/E2[*-&JDODDD2?$[0=+
MLOB)=#Q<UW;:5J&V=+BUV[P&B15;#13;D21&1U5"XX(]#Y^&45&I3FVI1E-K
MM[TW-7T;LXR=FOM*VU[>C7YOW=2"33C%-;-<L>1I;*Z:4O\`"^[1IZ+X5^%5
M[JUM8:;J6N7-Q))'Y++&OEM+O^5"#IRR@C`9F\L(%YW\'';0YE44J:7-!J2Y
MMGR^\^NB5K.[COIW7)6473<9OW9)Q=MU>T>JU;O[ME+:UKV3]<_:6TF2#3]/
M\36B_P"D:->(2WI'(592?831Q`>FX^M<D*GU?$TZR6DKQ:VO;WDK]$X^T7S.
MOD57#U*%[62:?5)^Y*WGK&7;W3#^!>E+X^N-:\5ZK&";^\5(T/S!-BL[*&(&
MX(LL2`[1PG;I16PJEA*=![RJ2J-]6E>*?SG*H1&O)8EU8I+DI1A_X%RW^=J4
M7_V\?5>GV$&E6T5C:+Y=O;1I%$F6;;'&H5%W,68X4`98DGJ236\YRJ2<YN\I
M-MO17;WT6AG&*@E&.B1QMA\+_#6F:P?$5I9+#J;/)(9EEN`-\JLLA\GS?(&X
M,V<1@9)8?-S4TW[&+A3TBURM;^[=2MK>RNE:UK)66FA4_P!ZU*>K33[:I63T
MM=][[O5W9O>(O"NE>++?['K-K%>PC)42+\R$C!:-QAXVQQNC96]ZS<4W=[KK
ML_2ZUMY;%J3CHMM'9V:NMM'IW^]]S`\,_"[PQX/F^TZ/I\-O/SB5FDGE7(P=
MDEP\KQ@C@A"H()SU-;*32Y4[)[VTNNS>[6FST,7%-IM7:VOT:OJELGJ]=SK=
M7TFUUVSFTZ_C$UK=(8Y8R67<C=1N0JRGT96#`\@@UC**DK26B:?S333^]&L9
M.#O'1V:^35G]Z9E^&/!^D^#;-M.T6W%K:N[2,F^23<[@*Q+RO(YR%`P6P`,`
M"M)MU(JG/6*3BEY-MM:=VWY_@9Q2A)SCI)M-OT5EZ6[+2]WNV4/"GP\T'P1)
M-+H5J+1[O:)CYL\NX(6*@>=+(%`+-PFT'C.<##4FH*DOA3O;SM;?=Z=WW[LJ
M7OS=67Q.^NWQ--Z+35I=#1\1^$='\70BVUJTAO(USM\Q?G3<,$QR*5DC)'=&
M4]#G(%9.*;YK:]UH[7O:ZZ>6Q2DXJRV[;KUL]+^>YS?A[X1>$O"UP+S3-.BB
MN%(*R2/-<,A&<-&;B27RVY/S)M)XR>!C92<5:+MOM:^NZOO;RO;?NS-Q4M]?
M+I]VWH>CU!04`%`!0`4`%`$4\"7,;PRC='(K(PR1E6!!&001D$\@@^AJ)14X
MN$E>+336VCWV*C)P:E'1IIKU6IS/A/P1HW@:&2VT*W^R13N))%\V:7<X4*#F
M:20C@8P"![9K9R;BH-Z*[2[7M?\`)&?*DW-;M)/T5VOS?WDWBGP?I'C2U%CK
MENMW`CB15+21E7`(#*\3QR+P2"`P!!P016+BFU)[J]GZ[KS7D]+I/=(T4FDX
MK9VNO35>C\UK:ZV;+&F^&=-TK35T2WA!T]$:(6\S/<)Y;9S&QN&E9DY("L2H
M7Y0`H`K2H_:_Q-=$METM;YJRUWTO>Y$%[)WIZ.[>C>[WMVOUMW?<XB'X(^"K
M>Z^W)I4!ER6VLTSPY/\`T[/*UOCT'E8'8"B+=/X?O>K6M]&[M.^S6VVP27-O
M^&G2W2W_``^N^IWVKZ%9:[82:3?Q"6SG01R1!GC!08(4-&R,H&!C:R],=*B<
M54^/752W>Z=T_OU\^I4'[/X--''1+9IQ:MZ.WET(/#OAK3O"=BFE:3#]GLXB
MY6/?))@NQ9OFE=W.6)."Q`Z#`XK24G.RGJDN5:+9=/\`AR$E%MQT;=WZV2O]
MR1Q5]\%/!FHW7VZ?2X/.W!CY;S11D@[LM!%*D#9)^;=&0PX;(XJ(KV?P_<]5
MM;1.Z6FUMMUJ7)N7Q??L_O6M_/<]%L]-M=.MEL;2&*"UC78L,:*L:KW4(`%`
M.3D8YR<]:J3]I?GUNK.^NEK6]+:6VMH3%<GP:6=]--=[^M];[W.%LOA#X1TW
M4/[6MM,MX[H$,I^<QHPP0T=NSFWC8%00R1*0<D$$G+A)T](.WGN^NS=VMWL_
MT":53XU?RV3]4M'\S8T3P'HGAO4+G5],MS;WFH%C<R":=A(7?S&)B>5HE.\D
MC8B[<D+@$BE']W#V,-(73MO\*:6KUV;Z^NR'/]Y-59_&DU?;1VOHK)WY5NMU
M?>YBZ_\`"#PCXFN#>:CIL+SL2S/$\UNSLV,M)]FDB\QCC[S[CUYY.<XQ4?A5
MEVZ?);+?H4Y.6_W]?OW.H\.>$])\(P?9=%M8K*(XW>6OS.5&`9)&+22,!_$[
M,>ISDFMG)RT;T7162UWT5DON,U%)W6_?=^E^WEL4/%/@#0/&@4:W917;(,+(
M=T<JJ#NVB:)HY0N>=H?:<G(Y.<>57YDK/RTOTUMOY7O8TYG;EZ=NWIVOUMOU
M'^%_`>A>"D9-#LXK,N,,XW/*PSNVM-*SRLH)R%9R!Q@``5LY-KEO9::*R6BL
MF[;OS>N_=F?*D^;K^7IVOUMN=;4%!0`4`%`!0`4`<KXL\$Z/XX@CM-=M_M<,
M$GFQKYLT6U]I7=F&2-C\K$8)(YSC.*GE7,I]4FD_)V;_`"15VDX]&T_FKV_-
MG1VMM'90I;0C9%"BQHN2<(@"J,DDG``&223W)-:2DZC<IZN3;?FWJ]-C*$53
MBH05HQ2279)66^IQ.C_##PWX?U1]=TZR6WU"0R%I5EN"O[[F3$+2F%0V>BQ@
M+_"!4P_=1=.&D6N6V^B::6MWNE]UMBI_O9*<]9)\R>VO*XWTM=M2=[[MW>NI
MM>)/"&C^+X!:ZU:17D:YV^8"'3<,$QR*5DC)'4QNIX'/`J'%-\UM>^SWO:ZZ
M7Z;%J32Y5MVZ>MN_GN9'A?X9^&O!DAGT6PBMICG]Z3)-*`P`(66=Y9$4@<JK
M!3SQR<[<S2Y4[+9VLKZWUMJ]>]^G9&?*KW>ZV\O-+9/SW.EUS0[+Q'92Z9J<
M0N+2X7;)&2R[@"&'S(RNI!`(*L"",@UC**E;F6S37JM4]/Z>ST-8R<'>+M=-
M?*2::^:91\/^$M*\*Z?_`&1I4`MK(ER8M\CY,GWR7D=Y#GIRQP,`8``JZG[V
M/LYZQY7&VWNN[:TMNVW?>[W,X+V<G.&DFU)OS223U\DO+0H^$O`&A>!1,N@V
MHLQ=%#+^]GE+;-VWF:20J!N;A2!SR*OF?*J=_=3;2\VDF^^R7]-D\JYO:?:M
M;Y7OHMEJ^BUTOLBUXE\%Z+XPC$.MV<-X$!",ZD2(&ZB.5"LL>>,['7)`/4"L
M>57YNNFJT>COK;=>3\^[-E)I<J>G;I>UKV[VZ[F'X<^$_A7PE.+O2M.AAN%.
M5E=I9W0X(S&UQ)*8S@D$H5SWK92<4XQ=KWO;1M.UTWO;1:;?>S%Q3=WY=[:;
M:;7\[7V[(]#J"PH`*`"@`H`*`*.IZ9;ZS:3:?>IYMM=1O%*FYEW1N"K+N0JZ
MY!(RK`CL0:F45)6EM=/YIIK\4BHR<'S1T>OXJQE>%_"6E^#+0Z=HL'V6V,C2
M[/,EE^=@`QW3/(_(4<;L#'`ZUJY.2C%O2*LO)-N7YMO7OV,E",7*459R:;\V
MDHKTT26A3\6^`="\<I$FO6JW8MBQB/F31,F\`-AH9(V(;:N5)*D@'&0*RY5S
M<_6UNNV^JV?E?:[MN[Z\S2<.C:>RW5]GNM];;Z7V1JCP[IW]G+HLD"SV"1K"
M()RTZF-0`JL9C(S[<#!=F(P,'@5=1^U?-4U=[WLM^^G7SWOKN1!>R7+3T6NG
MD]UZ>6UM+6T.)TWX+>#=)NOMUMI<`G!+#S'FFC5BP;*PS2R0H00-NV,;1PN!
MQ3C)T_@=K6L^JMVD]4_.^N[U"24OB^[9>EEI;RV.S\1^&=.\6V+Z7J\/VBTD
M*,T>^2/)1@RG=$\;C#`'A@#T.16;BI--[Q=UY.S7Y-E)N*:6S5GZ73_-(FTG
M0;'0["/2+*(1V4$9B2%BTBA#G*DRL[.#DYWLV0<'BKF_:?'KHHZI6LDHI6]$
ME^9$(JE_#TU<M&]Y2<F[_P")M^70X)_@CX*>Z^W'2H!+G=M#S+#G&/\`CV64
M6^/]GRMI/)&>:4?<V_'WO_2KE2][?\/=ZWZ6_P"&TV/2/[.M?LWV#R8OLGE^
M5Y&Q?*\K&WR_+QLV;?EVXVXXQBB?[R_M/>OO?6X0_=V]G[MMK:6]+'$:+\*/
M"GAZ].IZ=IT$-T26#DR.(R<\Q)([QPGD@>4B8'`XIIN,7!;--/NT]U?>S[7L
M*24VG);=-ETZ*ROINU>^N[9J>&/`>B>#7N)-%MOLK7K!IP)IY%=E+$'9++(B
M8WM]Q5X..@``GRTU07P1V6]M%'=Z[))Z]!R]^;K2^-WO+:]W?IIOJNUW;=G.
MZO\`!7P9KDYN[O2X?-;)8PR3VP8DDEF2VEB1F)))8J6/<U$8J'PZ>716[+9+
MR13DY;^M]+Z]WN_GUN]VSN-#\/:;X9MQ9Z3;164`.=D2!06_O,1R[8X+,2V.
M]:N3E:[T6RV2OKHEHM>QDHJ-^5:NUWU=E97>[T[F#XF^&_ASQB_G:S80W,VT
M+YOSQ3;000#+"T<A`QP"W`)4<,P./*D^9:/?1M)O:[2T;]5V[(UYG;EZ=-M-
M;Z/=:ZZ=WW9:\+^`]"\%(R:'9Q69<89QN>5AG=M::5GE903D*SD#C```K9R;
M7+>RTT5DM%9-VW?F]=^[,^5)\W7\O3M?K;<ZVH*"@`H`*`"@`H`YGQ5X.TGQ
MK:K8:Y!]JMXY!*J>9-%B1590VZ&2-C\KL,%L<YQD#$N*;4GNKV^=K_D6IN*E
M%.RDDGYI-->FJ6QMZ?80:5;16-HOEV]M&D4299ML<:A47<Q9CA0!EB2>I)-:
MSG*I)SF[RDVV]%=O?1:&48J"48Z)'&V'PO\`#6F:P?$5I9+#J;/)(9EEN`-\
MJLLA\GS?(&X,V<1@9)8?-S4TW[&+A3TBURM;^[=2MK>RNE:UK)66FA4_WK4I
MZM-/MJE9/2UWWON]7=G1:]X;TSQ/;_8]7MH;R#.0LJ!MK8(W(WWD;!(#(58`
MG!YK-Q3U:UVNM'9^:U+4G'1/3JNCMJKIZ/YG+^&_A1X5\(SB[TG3H8;A3E97
M:6>1#@C,;7$DK1D@D$QE20>:V4G%.,79.][:-IVNF][:;7M][,7%-W?EWMIJ
MG;:]^MK[=D=MJ6G6^KVLMA>();:YC:*6,D@,C@JRY4AAD$\J01U!!YK&45-<
MLMM'VV=UMV:N;1DX-2CNO1_@]&NZ>C,3PIX+T?P1;/9:';BT@ED,KKYDLI9R
MH7)::21_NJ`!NVCL,DYUE)RBH2^&*:2TZN[];]WKLMDC)146Y+=VO\KV_-_>
M4_#7P\T#P?=3WVC6@M;B\_US^;/)N!8N0%EE=4&XYP@4=!T``47R0]C'2"MI
M_A32UWT3?7J5+WY^VGK/WM?\33EIMJTNAJ^(?"VE>*X/LNLVL-[$,E1*H)0D
M8+1N,/&V#C<C*WO6;BGJ]]KK1V[75G8I2<=%M=.SU5UY/3_@76S.2T+X.>$/
M#=P+S3]-A2=""CRO-<%&7HR"XEE",#R&4!LXYX%;1DX_"[>:W[;[K3?4RE%2
MTDKKMTW3VVW1Z94%A0`4`%`!0`4`-=!(I1N0P((]CP:F45).,MFFGZ/1C3<6
MI+=.Z]4<EX3\!Z)X&69-"MOLBW3*TH\V>7<4!"G]]+(5P&/W<`YYSQ6O,^54
M_LIMI=FTD_/:*^[U(Y5SNK]MI)OR3;6FV\GTZE[Q-X4TOQC9_P!G:U;K=VV]
M7V%G0AUZ,KQ,DBGD@E6&5)4Y!(.+BFU)K6-[/M=6?_#;;/=(U4G%-)Z-6:[J
M]_S0[1O"^F^'].&C6,.VP4.H@E>2==KDED/VAY6*')^0DJ`2``*TF_:*U2S2
M2CJELMK][=+ZV271&<%[-MPT;=]&]WNUVON[=;O=LXE?@CX*6[^W#2H/-SNV
M[YC#G&/^/8R_9\8_A\K;GYL;N:(OD^'\=>M^M[?Y:;#E[V_X:?E8]!U'1;+5
M+"32;F)6LIXC`\*EHU\HC:44QE&0;>!L*D#H14S7M/CUU4M6[W34D[^JOY]1
MQ_=Z0TT:LET:::MZ,I^&?"NF>#K,:;HT/V6U#M((_,ED^9\;CNF>1^<#C=@=
M@*MR<DD]HJR\E=R_-MZ]S-147)Q5G)W?F[*/RTBEIV[G)ZS\&_!^OW)OK[3(
M6G8EF:)YK<.Q.2SI;RQ([,>69U8MDY)R:SBE3^%6M:RW6G]UZ6\K6>ST-9-S
MTD[^>SVM\2UV6FNG0[K2]'LM#MEL=.@BM+9,[8H45$&>6.U0`2QY8GECR235
MR;GI/56M9[6[6[>6Q"2C\.CO?SOWOW.%7X-^#DO_`.U5TNW%SNW]9/)#>HMM
M_P!F'3/$/WOF^]S1!^R^#2VW6VVU[VM;1JS70<_WOQZ[WZ7O>][6O>[O>]_D
MC=LO`6B:;K$OB.UMO*U.Y4K+,)I\.I"@@PF4P`$(O2,<C/7FB#=.,J<-(R=Y
M+>[<G*^O7F;>G=K9V%)<[C*6\;6Z6M'E6UOLZ:^N^IF^)/A5X6\6S&ZU;3H9
MIR<M*AD@D<@8!D>W>)I../G+=!Z#&:BHZQTWVVUWTVOYV[]V:.3:2;O;;R2O
MHGO;7;8U_#'@C0_!D9BT.SALPX`=E!:5P"2`\TA>5P"3@,YQVK9R;7+?3LM%
M>UKV76RWW?S,5%)WZZZN[W=W:^R\EIMV0_Q-X+T7QC$(-;LX;Q4!",X*R(&Q
MGRY4*RQYP,['7.!GI6+BF^;KW6CT=[.VZ\GIOW9LI-+E3T[;J]K7L^MNNY0\
M+?#CPYX+8R:)8PVLK`@RY>6;:V,J)IGDE"'`R@<+QTK;F:7(G9=4M+V;:O;>
MU]+WL8\JOS==U>[MI;3MIVMN^[.VJ"PH`*`"@`H`*`.5\6>"='\<01VFNV_V
MN&"3S8U\V:+:^TKNS#)&Q^5B,$D<YQG%3RKF4^J32?D[-_DBKM)QZ-I_-7M^
M;.CM;:.RA2VA&R*%%C1<DX1`%49)).``,DDGN2:TE)U&Y3U<FV_-O5Z;&4(J
MG%0@K1BDDNR2LM]3B='^&'AOP_JCZ[IUDMOJ$AD+2K+<%?WW,F(6E,*AL]%C
M`7^$"IA^ZBZ<-(M<MM]$TTM;O=+[K;%3_>R4YZR3YD]M>5QOI:[:D[WW;N]=
M3:\2>$-'\7P"UUJTBO(USM\P$.FX8)CD4K)&2.IC=3P.>!4.*;YK:]]GO>UU
MTOTV+4FERK;MT];=_/<R/"_PS\->#)#/HMA%;3'/[TF2:4!@`0LL[RR(I`Y5
M6"GGCDYVYFERIV6SM97UOK;5Z][].R,^57N]UMY>:6R?GN=+KFAV7B.RETS4
MXA<6EPNV2,EEW`$,/F1E=2"`058$$9!K&45*W,MFFO5:IZ?T]GH:QDX.\7:Z
M:^4DTU\TRKX:\+:9X/LAINC0"UM59G"!Y)/F<Y9B\KNY)]V.``!@`"MG)RLG
MM%672RNWT\VWWNS%146W%6<G=^;LE^22-^H+"@`H`*`"@`H`*`"@`H`*`"@`
MH`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`
M"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
M@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*
M`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`
MH`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`
M"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
M@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*
M`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`
MH`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`
M"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
M@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@!#0
M!7NI#%$[KP54D?@,U<5>21C4?+"371?H>;Q^+[]NT7_?#?\`Q=?1O`4U]IGQ
MT<TK]OP7^1)_PEE]Z1_]\-_\74?4*?\`,REF=?LON7^1!)XQOTZ"+_OAO_BZ
MM9?3_F9F\TKK9?@O\C+G\>ZG']T0<?[#_P#Q=;QRRF_M,X)YSBHW:2T\H_Y&
M/+\3-7C.`MN/^`/_`/'*ZXY11:^)GERXAQ<7:R^Z/^13?XJ:NG\-M_W[?_XX
M*'D])?:?XFBX@Q3[?='_`"(6^+6L+_#;?]^W_P#CM3_9%+^9_B;+/L3Y?='_
M`"*[?%_6AT2U_P"_<G_QVFLHI?S/\399YB>R^Z/^1ZI\._%-YXIMIIKT1JT4
MH1?+#*,;%;G+/DY)]*^?Q^&C@YQA!W35_P`3Z[+,7/&TY3JZ-2MT[>1Z-7D'
MO!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`
M4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`
M!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4
M`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!
M0`4`%``:!%.^_P!1)_N-_P"@FKA\4?4RJZ4Y7[/\CQN%0!7VC9^=01.R`5G<
MK8I3@"MT8ST,&['!KLBSQZG4Y2\'S5Z-/8^=K?%H9,HK5V'$I25+LCIBBF]"
ML;H^A/@MQ8W7_7P/_1:5\3F_\:-OY3])R'^!/_'^A[57S9]>%`!0`4`%`!0`
M4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`
M!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4
M`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!
M0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`!H$RG??
MZB3_`'&_D:JG\4?4RK?PY>C_`"/%H9>!7V[1^<09.9:SL5?4I3R5T11C49@W
M4G!KLBCQ:CW]&<Q=-DUZ%-:'S]35F5*:T>A<58I/4/8ZD4WJ4;(^A?@MQ977
M_7P/_1:5\7F_\6/^$_2<A_@S_P`?Z'M-?-GUX4`%`!0`4`%`!0`4`%`!0`4`
M%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0
M`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%
M`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`
M4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`4[U#)"\:]61@/J00
M*J+Y9)F55<T&O4\N/V6PG6%HXI;>.5+>23<PE:1U#/(`'`V*QP?E[&O?O4G!
MRE)J;CS))+ET=NS>J7\Q\C"%*A-4H*+IJ7))MRYM5S?S);RM\(Y%MI)Y(KB.
M."%&D,<B;LMY#8=&+,1\RXZ`'ZTVYPA&5*3<[1YTTK+F2>GNK\V"A2G4G&M&
M,8*4E!J4KR4'RI/WGJU;91,*YU!8XG=K:W5EDB4;A,<+*&.6"R9)``X'Y5M"
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MFGK:W1FL;/[5;1Q2QA&F:)DE*`A@)<[D)`;!Z]JZ&ZBG3BJDU!MIMQC=.-UT
MA;H^C.:,*+IU*DJ4'-1BXI2J:Q=M_P!YYKLR>"TTJ2YM+*2P@2XFN)H+M"9C
ML*1J\;0_O.$D4[E)W`\C.:S<JL8SK0J/DI\G(^6.MY/?W>_H:QIX>].C*BE.
M;FYQO5TTC:WO^O5['3?!M0EI>`<`7./_`"&E<F:7YX-[N-WZL]C)DHTZD8[*
MH[;_`*ZGLM?/GU`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%
M`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`
M4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`
M!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4
M`%`!0`4`%`!0`4`%`!0`&@"I>2""%Y"#A$9N.#PI/!/`/IFG&/-*,=KLRJ2Y
M(3G;X8N5O17/!(_$FFJ?)^REK<QL&9BAN?,9L[Q+C&WMM_'VK[9X&O%<W/[W
MI[MNW+>WF?ED<VP[T=%<O75<SE_-S<GHMNFYIKKVG7D0M4M;N8(YERI5GW$\
MYVK]T]^*YGAJM)NI.I&-THZKE5K=+R2TL>A#'T,1%4:6'E/D]^\?>EIWM"^M
M]WV"^U6TN]\DECJ"%V21BF%"M&"%(RG`&3FLH494FN6O2=M/LN]_^WRJF(57
MF3PF(CS/76<;6UNOW?D1CQ!!<+'(;;5+E8I4FC9W60;HSD8(3[O'(JI4.5N]
M2C%M.+2C%/7TDK/L0L6YQBUA\3-*2DKRJ26CNOL--/J5I=;M;N9IKBQU!IV5
M`^T!1\AW*=NS(]_6IC0Y;0A7I:=W&ZO_`-OFOUA3;J3PE9-]N=+3_N&5;O5[
M*[F=I-/U$;W$K0JQ\IV'1GB*=_X@#@UJJ+@DE7I76BE:*FO1J=RG64V_]FKI
M.S<.:?*_6/L[:^AG_P!I6UQ'_IVEW,,FYE!LHA`K(Q4JCJR$L00.1]>*U=.4
M7[N*C;?WY)V=M6KSTO=D^TYX^_A*D'JE[-2A>+=U%VA[UDEOZV-"Y\16DNH1
MZK+I>H)=0';%M&U7"JRIYBE/F<!F&0>F*YE1Y*;PZQ-/DDDVFX]'?3W_`".R
M5?VE3ZU+"U5.+:5N;JK:^YYG5?""":WM+OSXY(2]QN`D5D)!C3H&`-<69RC*
M<.22E:*5U)/\3T\HC*%.IS1<;S;LTT]?4]@KPCZ4*`"@`H`*`"@`H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
M@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`#0!F:MQ9S_]<9/_
M`$!JUI?Q(?XE^:.:O_!J?]>Y?^DL^0A+7ZQ=/J?SWRG:^$9VCCOW0E&6S8@@
MX((8=".17A9A%-T4]G4LSZ?*5*"Q,HNS5&36_2[Z:FU%?1)&7:Y\NXPOD"&^
MFN6>4G`1[=P%VMP&';/6O$DKU.7EO&[O?E5EW3C9W1]&IPA3YG.U3E32BZC3
MDW9)\UU9L2>>6=X8YI)CJ#7(BGM(IS;*J8^5(PCA%##GS,]>].RCSNDH^SY7
M*,YW<GIN]_NLO07,ZDJ:K.7MG-*=.'+&*5U9*UHZK^\_4DU"WU*TC8"21())
MX8X[?[:TLBDD[MTZL2@;ZG%8TYTY2NVG)1=VDU'[FOT.ZK3KT4[7C3<DE%M.
M6OFK_P#I1'=R7>G)?0N\UOM@B=(VO))P,N`SB?(*^A`Q@<\UO34:BIU&DVY3
M3:5EHMK-+\A5N>BZM.[BDHNTG?=[WC=V\K_((Y':QN&M[N"`@P[F_M6:8,N_
ME"[\P%^@=.2?EK*\%5CS1;2OLHK]4OO-:7/[&7+**V_F?XM-_<4X[Y[FRGCM
M[E;06]S"9FDU*5HKA61B(HKMOFB(QEPH`)QG.:JT824JJ;3BW"W+==-4K)ZM
M=R82E4A)4W%.,ES:SUVVW\^QW_PUU**]AN4C#YAFVLYNGNHV.T<Q22<[<=AQ
MGGO7FXR#A*+;5FKK17^=DD>SE]13C)):J5G:]OQ;9Z?7FGMA0`4`%`!0`4`%
M`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`
M4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`
M!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4
M`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`"&F@,[5^
M+&X_ZXR?^@&KI?Q(_P")?FCFK_P:G^"7Y,^,UDK]8N?@W*:VEZY<Z,[/:,$:
M1=C;D5P5SG&&!'Z5Q8C#PQ45&;DN5W7+;KZIG?AL34P4G.DD[JSYK_HT:0\:
M:FHXDB4D$96"%6&>X98P0?0@YKS_`.S:*L^:H_)VM_Z2>HLUKK:,$_+F37I[
MPR+QKJENH5948J,!WBC>3VS(REOQSFG++J,Y<T7*/]U<MO\`TE#AF=>FN623
M\Y.3E\GS&;I_B>_TC>+5U42OYC;HXV^;U&Y3CVQC%=-7`TZ_+S-KDTTM^J,*
M&-JX92Y/M.^KE^C1='CW5XUV"2-AC!S!$V03G!W)R,GH>/:N=Y91;NI37I9+
M_P!).[^U*ZW47ZN7_P`D0_\`">:LH*!X<-C(^S6^#CD9'E`'!Z9Z5/\`9=)?
M;J?A_P#(E_VI6>G+#_R;_P"2(_\`A/-84%/,B*$YVFVM]H/3A?*VCZ]??I2_
MLVEHN:HK>EWZ^Z4LSJK[,/Q_^2/;OA/K-UK-I</=NKF.<*H5$C51Y:G`5%4=
M2>V:^:S"A'#3C"%WI?6U_P`D?8Y37EB*4I325I65KV_%L]:KQCZ$*`"@`H`*
M`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`
MH`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`
M"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`:YV
MC)X%`;&)J-[#=6%R8)$EVPR@[&#`'8>"03C\:VI*TX^J_-'+6:=.<5_*U]Z9
M\8A^*_4['XA87=3V%83?BE9#ZW&>9BCR6A?*1EJ>VA7*1[J;\BQF:FPUH--*
MR&?1OP2_X\;K_KX'_HM*^*S>WM8V_E_4_0\D?[F7^(]NKYP^L"@`H`*`"@`H
M`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"
M@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`
M*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@
M`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`"@`H`*`,_5+=[
MJW>&/[S*0,]#['V/0_6JBU%JYG--Q:1QVFZ-=QP7".&#2131J9#'DE]NU0(V
M91''M(4DAOF/RUTNI&,H^J_,\]49<L_1_J>-CX2:\.UO_P!_?_L*^O\`[5P_
MG]S_`,CX/^Q,5V7_`(%'_P"2%_X5+KWI;_\`?T__`!%4LVPZVO\`<_\`(/[$
MQ79?^!1_^2#_`(5)KWI;_P#?T_\`Q%5_:U#^D_\`(/[$Q79?^!1_^2&_\*CU
M[TM_^_O_`-A1_:V'_I2_R'_8N*[+[X__`"0T_"+7O2W_`._I_P#B*S_M3#^?
MW/\`R+_L7%=E]\?_`)(3_A4.O>EO_P!_3_\`$T?VKAUW^Y_Y%+)<3V7WQ_\`
MDA/^%0:]Z6__`']/_P`33_M7#]+_`'/_`"#^QL3V7WQ_^2$_X5!K_I;_`/?T
M_P#Q%']JT.WX/_(/[&Q/9??'_P"2/7?AMX8O?"EM/!J`0/-,'7RVW#&Q5YX&
M#D&OG,?B8XJ:G3V2MU_4^MRS"U,'3E"KNY7W7Z-GIU>.>Z%`!0`4`%`!0`4`
M%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0
M`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%
M`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`
M4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`
M!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4
M`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!
M0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`
M%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0`4`%`!0
,`4`%`!0`4`%`'__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>logo2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 logo2.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``4%!0@%"`P'!PP,"0D)#`T,#`P,#0T-#0T-#0T-#0T-
M#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T!!0@("@<*#`<'#`T,
M"@P-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-#0T-
M#0T-#0T-#?_$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`+@`SP,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/LN@`H`*`#I0`4`%`!0`4`'2@`S0`9H`*5P#-,-@R*`#-`!
M0`9H`,B@!,B@0N<4##(H`,B@`R*!!D4##(%`!0`4`%`!0`AH`\TOO$-]#<21
MHX"HQ`&U>@/TKW:6&I2@I2O=H^:JXJK"HX1M9$(\27_]\?\`?"_X5I]3I]R/
MKE7^O^&)!XBOQ_&/^^%_PH^IT^X?7*HO_"17W]\?]\K_`(4?4Z?</KE40^(K
M[^^/^^%_PH^IT^X?7*HP^)+\=''_`'PO^%'U.GW#Z[5(CXFU!?XQ_P!\+_A1
M]3I]Q?7:I"WBK41_RT7_`+X7_"M%@:7<S>.K+;^OP*[^+=2'20#_`(`O^%:+
M`TN[_KYF3Q]==OQ_R*C^,-47I*/^_:?_`!-4L!1\_P"OF8O,:ZZHIR>-M67I
M*H_[9I_\36JR^AY_U\SGEFF(6S10E\>:TGW9E'_;)/\`"MUEF'??^OF<4LWQ
M,;V:*1^(NMC_`);+_P!^H_\`XFK_`+*P_9G%_;>,O\4?_`1I^(NN?\]U_P"_
M4?\`\32_LK#K9,Z%G6*ZM?E^`P_$;7!_RV7_`+]1_P#Q-#RN@NC-EF^*ZM#3
M\1M<'_+9?^_4?_Q-1_9F'[,U6;8CNAA^)&NC_ENO_?J/_P")H_LS#]F:+-<1
MW0W_`(63KH_Y;)_WZC_^)H_LR@NZ-5FF([H:?B7KH_Y;)_WZB_\`B:G^S:"Z
MO^OF7_:5?NAO_"S->'_+9/\`OS%_\3366X?N_P"OF:?VC7Z-'=_#SQCJ?B#4
M9+:^D5XT@9P`B+\P=`#E0#T)KR<=A*>'@ITWU/6P.*J5YN%3L>V#BO`/H`H&
M%`!0`AH$SQ[4E_TJ7_?;^=?646U2BEV/CJT5[63MK<KJM69)DH7%(L=MHN`A
M6BX$;+CI1<31`ZU:,V5'6M#)HK2+BM$8-)%&5:V39RR1G2K6R;.62MHC-F6N
MI-GGS6YCR+M-;K8\J2L[$1XH-;*^A'0SICH,-0="&&I-T1F@W0PU-S1##0:H
M]2^$/_(7E_Z]F_\`1D=?/9KK3@GM?]#Z'*4O:-];,^DZ^1/KT%`PH`*`$-`F
M>1ZB/]*E_P!]OYU]32?[N"\CY&M_$GZD"K6NQ@E8F"5-RQ=O:BX[#2M%PL1E
M>*+BL0NM:IF315<8JS)HIR+6J,FBC*,5JCGD9\@K5:'))&;,*Z4<,D8THP:Z
MH]CR*BL]"`T]B8LB(Q29UQ=B,C%0=$6,/%2;ID9I&Z8PTC5##0:H]2^$/_(7
ME_Z]F_\`1D=?/YI_#AZ_H?1Y5\;]&?2=?('UJ"@84`%`"&@3/)=0_P"/J7_?
M;^=?3TOX</0^1K?Q)^I"HK9F1,..*@I#\4#&MQ0!"U`B!JU1DRH]:(S93DK9
M&+*<HK5'-(SI16ARR,V:NF)PR,:<8-=43RJNY5JV8Q&-4LZHD9J#IB1-4FZ&
M&D;Q&&D;(8:#5'J7PA_Y"\O_`%[-_P"C(Z^?S3^'#U_0^CRKXWZ,^DZ^0/K4
M%`PH`*`$-`F>2ZAQ=2_[[?SKZJE_#AZ'R-;^)/U(%-6S(G6H*0N:!B$T`0M5
M("%JI&+*CUJC%E.3BMD8LHRFM482,^6M4<DC.FKJ1P2,:?K75'8\>H]2J>*`
M0QJ3.F)$:@Z$,:I.A$9I&\1AI&R&&@U1ZE\(?^0O+_U[-_Z,CKY_-/X</7]#
MZ/*OC?HSZ3KY`^M04#"@`H`0T"9Y%J)_TJ7_`'V_G7U5+^'#T/D:W\2?J5U-
M6S&Y,&Q4V*'9HL.X$XHL%R%C5+0+D#FFMS%LJN:V6ADRI(:U1BRC(:U1SR90
ME-:HY),S)CBNI'!)F/*<FNJ.QX\]R!J121#TH9U10UJ@W2(VJ3=(C-(WBK##
M2-D,-!JCU+X0_P#(7E_Z]F_]&1U\_FG\.'K^A]'E7QOT9])U\@?6H*!A0`4`
M(:`]#QO4VVW<O_71OYU]?225&'H?&5W>K-=F0!O2G\C&Y*K<4M1W%W_6C4=P
M+XJ;>15[=2(M6B1+\B!FIJ-C*_H5G:M4GT(;[)%21JU29@WY(HR-6B7FSFDW
MW,^4UO%:6U9R2?5F;.V*Z(+EZ,\ZH]VK&2YR>*Z/1,\E[W;7X$3<<4K/LSH5
MGV(SQ0]-3JC9;##[5GOT9O%=61DXJ-NC-].EAE/RLS:(PT/30U0PTC5'J7PA
M_P"0O+_U[-_Z,CKY_-/X</7]#Z/*OC?HSZ3KY`^M04#"@`H`0T"//M-TR*\O
M;J:X7='&S=>F<]?P%>S5JN%.G"F];(\*E24ZM2<U[JN1_P!JZ$K;1$W!QG8<
M>G=OUI^SQ-KW7WK_`"(]K@UHU*][;/\`S.D71;&,-,4!0J&`YX`!)Q]1VK@5
M>JVX\VM[=#TO84%'F4=+7ZG.QZMH4C*@B(W$`$H1UXY^;BN]T<3RN5U9:[HX
M%5PEU%)W;LM':_WEF^T)?MD0@7$$O+`'@!1S^!J*>)?LY*;]Y;:"J89*K'V:
M]U[ZA?W6B:=,;>:(EUQG:I(Y&>NX44X8FJE.#5G>VJ1I4EA:,G"<7=;[_P"9
M(#H[6C7_`))\F/K\IW=<=-W]:A_6(U%1<ES/;;\[`OJSI.OROE6^_P"5S".O
M>&^\+_\`?!_^.5VK#XSHU]\?\CSWB\!'3EE?TE_\D:&F3Z#K$IM[>`[PI;YE
M8#`Z\[S6-:.+P\5*I))/:S3_`$.G#U,%BI.-.+TWO=?J84WB'PM$[1/;OE&*
MG$9ZJ2#C]YZCTKKCAL=)1E%JTMM8_P"1Y-3,,LA-T90GS)M/25M/^WB$Z_X2
MD&&@D4'C/EOQGW5R15/#YC3UNNO6!DL?E4_=Y9J_]V7Z29NOI7ANUT_^T?)6
M:U`!WC<[?,0!W!X)^HKAC7QDZBHJ7O\`;W=_6QZDZ.74Z/UJ4&Z?ES7U\KIA
MIN@^'-?M&N;:W$<1W*7.Y&&T\D9)Q]:*F)Q>&G[.<_>[6B_R0J&"R_%T_;4Z
M5H^;FG]W,SG)+KP7I[&`Q&8H<$JLC]/]HD`_AQ7;%9C5M*+23VU@CBJ?V5A7
MR.,M.RF_S:-.VC\)W5C+J26H$%N=KED<-GV&\YKFG4QL*BH.?O/I[MOOL=M.
M&7U*3Q,:;]FO\5_NN4]-N/!VKW"6EO;8DDX7=&ZC/UW\5M/Z_0BZE2245VY7
M^AG2>78B:I4X.[[\R_4V]0\+^'O#UHUU>VRO&C<D!F;#'@8W#IT^E<E/$XFM
M/DISU?E%?H>C5PF$PT.><-%YR?ZHQ-*_X0_7IQ96MMMED!V[D=.@_A.X\^E=
M%1X[#Q]K.2Y4U>W*_P!#FI+`5Y>QI0?,T[7YE^I=U3PUX5\.0Q'4H]N[**_[
MXERO.6$9ZX(!..:QIXG%UVU3EY[)>78VK8;"891=6&^F[?G_`#(YOQSX;T>Q
MT:/4=+A">=)$5?=(<QNK-T=CC.!VS7=@L17J5W2K2NDGIIT^2./&8>C2HJK1
MC:[6NO7YLR?A#_R%Y?\`KV;_`-&1UMFG\.'K^A.5Z5';LSZ3%?('UJ"@84`%
M`#6H0MCC_$=VND6;1Q</<,P![_-RQ_`<#\*]+#0=6HK[1U\M#RL5+ZO3DH;R
M^_4Y/_A'3_9/VP#]]GS#_P!<\8P/?&2/SKT7B7[?V2TC>WD>4\,OJZJM>_O:
MVO4ZCPWJ0O-.:$GY[=&4_P"Z0=I_+C\*X,32]E536TFFCU,-5]K1DI:.*:MU
MV/-[6R-S!-*N<P!&/^Z2P;^A]N37NRJ*$X4VG:6GET/G:=-SIRFMXMOS6IZ1
MH.MH=-9Y3E[1<-ZD#[OUSP/K7@8G#N-=4X[2=]#Z+#5[T'4EO%6.$,3Z@EQ?
MRY^4C!'3<QZ?0"O;4O9.GAX[H\+E=7GQ$EIW>WWFW#_R+D_^\?\`T(5RR]W&
M1O\`UH=?_,!-[?\`#G-Z)J6CVEOLU"W:>;<QW``_*<8'+#I@]JZ\12KSJ.5&
M346EI>QYF%KX>E24*M-2DF];+_)G=>&[[2+N=AI]N8)%0DL0HX/&,AFKR,13
MKTHKV\[J^BO<]S"UJ%64E0@H-)W=K='Y(\DTJ?3+?5+AM77?!NF"C:S?-YAP
M<+ST!'^17T]>%9X:E'#R:=ELV?!8:>&I8RJ\<DX\\K-I6W>NII>([_PU/:E-
M,B*7.1M8(Z`<_-NR0#QG`P>:Y\)2QE.JGB')P5[WO9:'7F%?+JE%QPM->TZ6
M27Y(T[;3+C3O"ER;D%/.=9$1NH0E`..Q.,XZUS.I&KCXJG:ROJO^`=4</4P^
M4SC5NN9J2WT3,Z'4'L?"FR(X,\[1DC^[G)&1TSC%:NFJN.L]>77\Q0JNCEEH
MO?3MV.M\'>"M.FT^.[O(A/+.-_SY(4'H`,@#CJ?6O-QV,J^U<*<G",--'8]K
M+,NH*A"K5CS2E=NZONS!^("P::L.B:7&L7GOYCH@QN;HF>>/7Z5T9<G-SQ6(
M=^5:-_HV89FHP4,'ADHW=VE^J1F^+_#Q\-V]C>VH\N6,!9&'_/3[P)QU],UO
MAJ_UEU:-1Z._+?\`0PQ6&6#5&M2W5N:WZV.T\4ZF-6\*_;!@F18RV.S;@&X[
M<]J\K#4O8XQ4G=--^1[F*J*M@O:JSNO6QY(-(FT_3+;7[(LKQRL)&!)"L"-C
M8[`]"/>OH)554JU,'4V:TO\`\$^=A1E2I0Q<.CUMT^:.E\=:XOB#1K"[!&_S
M)$E'3;(J+NX]#D-]#7#@J+P]>K3Z)75UNFWL>ECJRQ&'I36]]?)Z&[XRX\'6
M(_V;3_T2:Y<)KC9^7.=F*7^Q4[?W?U.:^$'_`"%Y?^O9O_0XZ[<T_AP]3GRQ
M6J/T9]*"OD#ZW8*`"@`H`:QQ1Y(6VK/)-;GDUW4A:PXVH=B\\?[3$>@_I7T>
M&4<-2]K/?<^5Q#EBJWLHZ):=C2_X0R["[?M(VXQC]X!CTQGI6*QE*[E[/5];
M+_,Z'@*S2C[31=+_`/`,2QG;0+Z2WEQM8-$Y'0Y&5;D_3\">]==5+$TH3C\2
M>GH<5.;PM2=.6UOQ-'P1$L[7,3CY7C52/8EA_6N?'MTU3EU7Z)'9E\5/VBZ/
MI\SGKVWETRYEL4)^9@,?WE)RE=]*4*L%7DO>BMSSZE.5&;HQ=E)[';:AIYTW
M0O);A_E+G_:)R>:\>G4]KB>:^ESV*E+V.%<$M=#)A&/#D_\`O'_T(5U2TQD/
M/_)G%K]1J*W]:&!H.OZ=IEMY-W;">3>6W%$/!Q@9;GC!KLQ&&KU:G/1GRQMH
MKM?DCR\)BL/1IJG7A>:;U2O^J.X\/:_I^HSF&SMOL[["VX*BY`[?*<UX^(P]
M:@DZTN97TU;_`$1[V&Q-"M)QH0<79WTMT?FSS7PEI5MJ^M7,-V@E0><P4Y'S
M>;UX(YP37T.-KU*6%I.EI+E5]NR/C,OP]/%XZO3K*ZBYNW_;_E8Z/Q-X9TE=
M,GOK&,P/:N5XR`2D@1P0Q.1R<$8KAPF+K^WA"K*ZGOMLT^QZF8X#"O"U:V&7
M+*F[=?B5N[?=&/97LMWX2N5F8OY4@12QR0NY"!DY/&<5T2IQI8^#CHFKG-1J
MRK97-3;;BTM?(=I.BOKGA9HX!F6*9Y$']X@G(&>Y'3WK&K75#&\[T3T?XG50
MPSQ.7<J6JU2O;L1^'/B*-#MAI]Y`[&#*J5(!P.S*V,$=.":>)R^6(E[:@URR
MUUNM?N*PF:QP=-8?$1DG'16L_P!3!TW2[OQYJ<]U%)Y&#OW,"=@)PJC!'/TK
MLG4AEM*--J[:U2_X-CDITIYK7G4IOEBM4WI;[KG2W?POU)HFW7WG8!(1O,P2
M.G5B!^5<$<QHQDDJ?*WU27^9ZL\KKR3<JBDDMK_\!'#6>J-;:5>Z/.<$,K(I
M/1E;#CT]Z]*=+GK4L1"W=O\`(\R%;DHU,-.^FB70]<\"6$6J>&_LEP`T<ID4
M_CW'N.HKY_'5'2Q7M([JS/I<!357"^Q:T9XCK]E<:#))H\O,<4QEC)[[EV!Q
M_O*JAO=:^EH2C52Q*W<5%_)O_,^:K0=&3PSZ2<E\TO\`(]3\9\>#[''I:?\`
MHDUX6#O]=J=O>_-'T&*_W*GZQ_4YKX0?\A>7_KV;_P!#CKMS3^'#U.?+/XC]
M&?2@KY`^L"@`H`*`&M1Z!L><7'C*PT^YDB%L?,C8J641C)!]>#S7MQP52I",
MN?1ZV_IGS-3,:5&I)>S]Y:7V_0X7^WYFOOMP9O\`6;]FXXVY^[C..GZU[,<+
M'V7LM+VWLKGS[QDW7]NKVO>UW8[63QMI\IW26I9CU)$1/YGFO*67U8Z*;M\_
M\SW?[2HRU=)-]=O_`)$0>.+*!6^SVQC<C`($:C/.,[<<9I_V?4;7/-V_KS#^
MTJ<4^2G;T=ORB*/'%D^UY;8M(`.<1DY'H3S].:?U"HKQA/3M_3*>94Y).5-<
MR\U_\B*?'UJZE9[=G!)X.PC&>.">N/UJ/[/G%^[*WR_X)']JPVE#Y<VG_I(S
M_A/-/5#%]E;RSU0"/:?JO0T_J%6]^?7O;7[^8/[5I).+IJW:ZM_Z25#XWTA?
M^7'_`,AQ5JL!7Z57][_^2.?^T\.M?812]%_\B-3XAZ9;'=%9M&>F56)3CZC%
M#RVM/W74OZW?_MPO[9H4W[M)+T:7_MI73XD:5:N9(;)T=LY95B4G/)R1@G)Y
MZU;RVL[0E4NEWU_]N.99YAX2?LZ"C*S5XV3=W?5J%]RI8_$6R@ADAGMI95EF
MED(/EE2)'+@$'@D9Y]Q6T\LJ-QE&HDU%+33_`-N.>AG-*$)TZE)M2FY:ZZ-+
M^[Y%A?B3I,<9A6Q=8VY*!8@I/J5'!/'I6+RVM?F=75:+O_Z4=D,XPT5[.-#W
M6[VT2^?N6$/Q3LK6(I9V;QG^$'8J9)[A#QGU`J?[+G)WG4^=M?\`THM9U3IQ
MM3H6\E*R^Y017'Q-TZ<;KO3PTG?'E./S8`_G5_V94A\%9V^:_P#;B?[7HSUG
MATWYV?YP&S_$VQAMY(]/LV@E=2`V(U7/J=F"<5*RV<I)U*C:3_K=LW_M6FHR
M]E24&U;1V_**.'\+>+Y=!O&N)S)/'("'3>2<GD$!CCK7L8K!QJTHPA927515
MSR<'C9T:LJDKN+Z.3L=RWQ)T5R6?3BS'DDI`23[GO7C++ZT=%5DO+7_Y(]K^
MTJ+=_8Q]=/\`Y$BO/BG:BU:#3K:2VDZH0(U0'/<(1P>^.:%ELW).=2_JO\Y%
M/,XJ-J=.S\G;\HD-QX_\/ZKMFU2P>6Y5`A;;&PP,G`)=3C<6(!&>:KZCB*7N
MT9IQO?:*U^;?D/Z]0JKFK0:G:VC?Z+U,GQAXYT[7-+33;"&:$12(5#*@0(BL
MN!M=CW&.*Z,'A*M"LZU7:SOMU]#'%XNE6I*E26NEM^@GP@_Y"\O_`%[-_P"A
MQU.:.]./J5EEU4?H?28KY%:'UB%IC"@`H`0T"?8^8]=EVZC<#_IJ_P#.OT/#
MQ7U>F[=%_6Y^4XNI;$5$NDF9XFQ72HI:6_K[SD]H[:$@EJ.6QKS]M!WG4K-:
MAS]&]#TBQ\(V,UC%?75P\`E16.3&%!(Z9*U\U4QU2%65.$5IZ'UM/+Z,Z,:]
M232:WU_)"'PQH?7^T?\`R)#_`/$U*Q]?^5?@3]0PKU]H]?*8QO#&A?\`01_\
MB0__`!-/Z]7_`)%^`O[/PNWM']TS(U7P-<I/$--;[1;S!?WI*X5CNR3M&-@4
M`@CJ3BNZCF4%!^W34TW:RZ67;3>YYV)RFKSQCAFG3=G=M+6[OOKM8T+CP)I%
MGB.]OS#*5!*EHD_$!ESCZURQS.L[RI07+?3;]3>>4X:G:&(J.,[;)2?Y:%7_
M`(0SP[_T$_\`R)#_`/$U?]I5W_R[C]Z(CE.!C_R]DWZ2'IX`T:\/EV>H[Y#T
M&8FR?H`I_(T/-*T%[T(_>C591A:GNTJDK]K27YDUS\-](TY5^VWTD);H6,:@
MD=<;E_J:B.:5I?!".GI^IH\FP]!+VM1J^VC?Y7*1\%>'!S_:?_D2#_XFJ_M'
M$;<B_`:RS"=*C^Z9+!\,M/OV#65_YT2GYPOELP^A7@'V9:AYI5C\44ON_P`C
M6&449O\`=S;7_;R_,9-\/_#]LYBFU)HY%X96>$$?4%>*/[1KR5U!6^13RW"P
M?+*;NO*1#_P@WASI_:A_[^0?_$T/,,0_LK[XCC@,+%VYW]TB[)\*-/>-;B&]
MD$)^8R,(V7;Z@@*!]22*S6:58Z.*O\O\C;^RJ/Q*3M\_\S//@/PVIPVJX(Z_
MO+<?H5-6\PKO[*_`S6!PR>DWIY2%?X6V=]"TVCWHN"ORC=Y;+O&"59XU^7Y2
M#C:3^!X/[3G"T:L->ZE;3T2?YFO]FPG>5&>FUG%O7U;7Y#(OA3:(H%QJ,:2=
MPJQ@#Z;G!_E5O-'?2D[?XM__`"4%EL5K[2-^W*M/_)CL?!W@JU\.7CW5O>"Z
M9HBA0;.`64[OE=O3'3OU]?/Q.*>(BHN#C;K>_P"B/0PV&6'DY1FI>25OU9Z>
M.E>0>LM!:!A0`4`(:`/E#Q$Y74[G_KL_\Z_2<-_N]/T1^(XZ36)K6_G_`%,I
M9\5V<IR*HR47%)Q-E5L*;BER7T!U=#V#6Y-OA2V;U$/\C7R.&7^W225]S[[%
MRY<LIRO;X=CE]'TK0KRU26^OC;W#9W1AE&W!('!4GD<]:]#$5\32JRC2HW@M
MGRR?KL[;GDX6C@:U*-3$8CDJ.]XW6EGIO%O8UXO!6CZJDB:5>M/.BY"[D89[
M;@%!P>G6N59AB*$E]8HI0;UNI+3RNW^1VO*\)B8R^IXB4JB5TDXO7[E^91TG
MQC<^$[:72KN)FN(6;RMQ.!D*`AZ_*#N8$9Z@5I6P,<;..(H2M3E;FM:R>M^J
M\NAS8;,:F64I83$1O4BWR\SE>SM;^;SZAH7AJ?Q#YVN:H6VX=XT/20A3@\](
MU/W1C!-76Q4<+R8+#<KU2E+JM==K(G#X&>-57,<7SQTE*$=T[*ZM>[_!&1X*
M\*6OB;S_`+5(\7DE-OE[!][=G.X'^Z*Z,=BJF%5-4E&5UJ]?+LS#+L%2Q<JK
MK3<+/17C^J)_&/@^S\,0QW%K<.TC-C8Y7<1UW(5"D%<5E@L74Q4Y4ZU-<O\`
M-9]MM;HWQV!HX&,:E"M)SU]VZU_\!U$\77DM]HFESS<R%9,D]\;5!_X$,'_.
M:C!15/$U8Q2:6WEZ6-L=)U<)0<FTVM=_U-G3_`&B7-M'/+>LCR(K,OF0C!(R
M1AAD`'L37+4QF)A*484VU=VTGL=U++\).$9.LD[*ZO#<X_3H!I7B&.VTR9IT
M6=5#J?OK_$&VG:P`ZGIFN^K-5<)*5>*C*W5:W^>IP4J;H8N$,*W.">K3T_#0
MFUVUM;OQ--#?2?9[=I<.X(&T8Z_-D?I4T)SI812HP4Y+I:_Y:F^(A"IC'&LW
M"'?^D;?_``BWA'_H*'_OY%_\;KA^MXS7]QI_AG_F=ZPN#_Y__C'_`"'_`!%;
M[#IUA964C/9E3A\\.!]W.T8([XQCVIX"U2K4J5HI5/Y6MG\[LO'-TZ5.G1;=
M/;FUU7RL9UAX7\+W,$;SZIY<K*I9=T2[6(Y7#)D8/J:NIB\7"3C&A>*V?+)Z
M?)F4,+A)14I5FI/?6*U^XZ'6K:/P?X;<:)<M,EW<IF;*,0&7#!60`#(0+ZC<
M>>E<M'FQF)BL1#E:CMJMFVGKKU9W55'"89QP\^9-WOH]6DK:>B.4\->!].UV
MR6[N+]8)79@T>8\KAB,-N8')P"?>NK$XV>'FZ-."Y5;>_P#\D<F'P<:L%4J2
M=WV__9/4_!_@&W\,W+7UO<&XWQF/&U0,%E;(*D_W:\?$XN6)24HI6[?\.>QA
ML(L*VTV_Z]$>E#I7F;'JA0`4`%`"&@1\F>)#_P`3.Y'_`$V?^=?I.%_W>GZ(
M_%\<O]JK+^\8?2N^YYG*D+G%%Q-"$\4)ARGM&NG'A"V_W8?Y&OCL/ICY6[L_
M0L6O^$NFE_=.?T'3/#%Q91R:G<&*Z.=ZB1EQR<<`'MBN[$U,;&K*-"+Y.GNQ
M?KJU?<\_!4,NE0A+%-*KK=<TUUTT4DMO(ZJPOO#7A1)KO3KCS9F3'EF0L6QR
M`!M&.>]>94IXW&.,,1%I7WLE;[D>W3JY?E\9U<+)<UOA4I-R_P#`F_PL<8='
MU+QLD^M8`QD)&/XM@4[$Y'&&.&[L"*];V]++^3!:]Y/IK?N_(\%X6OFJGF&B
MU:BMG[J3Z*W4ZKPGXM$UG)H]_P#NKB&-XXMP(+@*WR'T=<8ZY8=!D&O,Q6%]
MG5CB*6M.4D_Q7];GLX''<]">#KZ3C&2V2Z/M_D<5X.\)#Q.)LSFW\C9P$W9W
M;_\`:7&-OZUZ>-Q:PL:7N*5UUMY>IY&`P/UJ=6TW&SZ-G9K\,;"W.^[O2T:D
M9'R1@CT+%FQGIQSS7D_VG.SC2IJ#?5)?JCW%E-.+4JM5R2Z-LK?%6".UM;&*
M`!8TWJH'3:%3'X<?UK3*W*=2<Y:RW]19O&%*E3A%6BMO)#;+X9:?<6\$\UU+
M&]PBD+^[&25R0N5R<?B:B>95(2E%06C?1?Y%T<LISA"?.US)/=]5ZF%I(F\&
M^(1I\126-W6-BR#<5;H0<94CO@@'TKMJN.,PKJV::Z7=K_)G'1C+!8Q48NZ;
MM?\`X=:?(I:W#9S^*)H]2?RK4R_O&W;<#'KVYJJ+G'")T/CZ*R?YCKJ$L:X5
M]*?JSI/[!\$?\_A_[_M_\17![?'*Z:_\EC_D>DL/@;W4O_)I?YG=:H_AZ/3(
M+;4'0V;J%@9MQ)`'56`)!QWXS7FT_K'M92I)\]];6_+8]2HL/&E&%1WA;3?\
M[IGF.H:+X-6)WM[Z42!254,6YQP,-%D_]]#ZU[-.MC>9*<;J^ONQ7Y(\6I2P
M:BW"5G;35_YESX>?8KC2+ZUU8J+#SHSF0[0'88R&ZJWR(1@\'ZUEC^>%:G.D
MOWG+LM]WV]37`N$J52%5^Y?=^A/+X+\),28]1,??'G0D#\2F?S-)8O%Z*=)O
M_MV7^3+^JX5M\M6*^:_^21A_#2Z>U\0-96TK26K+/Z[71/N2;>@.0.0!UK?'
MQ4L-&M*'+/3U_)&.!DUB'3C+FBK^GYL^EQ7RFVA]6%`!0`4`(>*`V/D?Q+_R
M%+K_`*[/_.OTG"_[O37DC\=QR_VFK_B,7-=MSS;"Y%`["$\4]@L>Z6.KZ!?Z
M+;Z=J5PJ^7&F]`7!#*.A(4]*^)G2Q-.O*K1IRW=GT_!H_0Z5?!U<)3P^(J13
M25TU_G%HH_V9X)_Y^/\`R)+_`/$ULJV8=:;_`!_^2.?V&5+:JE\H_P#RL/[,
M\$KS]HZ>LDO_`,33]KC]O9O[G_\`)%JCE2_Y>K[H_P#RL-1^(5OHMQ#:Z.L<
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M(`/0>U?)4Z>*P\W*E3>K_K9H^WG6P=:,%4J+2W3_`#B1:GXFT8&PCM;E#%:3
M`G[Y*H(V4$DKZD"IAA<1)593A).6JTW?WCJ8K#ITE3J1Y8O7=67W(==7?A&\
MOAJ<MROVA65@0T@&5X'R[<?XT1AC*=-T8TW9^O\`\E8J4\%4J>WE47,MM/\`
M[6Y1U&/P7JEP]U<7(,LIRQ5Y`,_0+6U-XVE%0A3:2]?TD8U%@:LG.517?DOU
MB43I7@7M<?\`D27_`.)J^?'=82^]_P#R0*&`5K3C]R_^1-C4+CP?J5M#9W%T
MOE6@Q&`T@(^IV\US0AC*<W4C"7-+??\`^2.F<\'.*IN<>6.VB_\`D3%_LWP'
M%\QG)QSC?,?T"YKJ4\<].67WO_Y(PY<"M>:.GDO_`)$V/M/A?7M+?3(9DL+8
M3+TVQNY3:P?$@R0Q.,L,G::X^7$4*JJU%>5KVDUY^;.F^'K4G3@^6-[7BG_D
MCFCX(\*@?\A4C_MK!_\`$5W?7<3TA'[T<?U3#)?'+[F=KX)A\.Z?.]EH\GVF
M[V%WE.6;8"!@/M50,D<+U[]!7F8J>(J+FK:1Z)-6_`]'#0H4Y6HK6V[O^IZ>
M.E>8>HA:!A0`4`(:`/D3Q,<:I=?]=G_G7Z+A?X%/T1^1XU?[15_Q&)FNXX+!
MG%`6#=3"P9HV%8,XI#L!-&P[#<YJ32PG2D583.:/(TM;80G'2EL4D-Z4BAM,
MT2&GB@NPR@TL(:!V&U#-EL-Z4BA#0&PV@?X'JOP?XU>7_KV;_P!&1UX.9JU.
M-NY[N6?&[]F?3`KY(^J"@`H`*`$-`CY"\3'&J77_`%W?^=?HF%_@4_1'Y9BU
M_M%7U,.NZYY_*%%PY0HN'*%%QV"BXN4#0'*-S4FBB)F@=AM!I80^U(I(3-`[
M#>E!HA*5[%C2:+FB[(;2N582D6D-)I`-H&)3`]6^#_&KR_\`7LW_`*,CKY_-
M/X</7]#WLM_B/T/IBODSZD*`"@`H`0\4#/C_`,3_`/(5NO\`KN_\Z_1,-_`I
M_P"%'Y?BE_M%3U9A[J[#AL&Z@+"9H"PNZ@+!NH"PF:`L-I&B0M`["$T%V&YH
M&D-S0.P4%I#2<5#+L-I#2LQ*#0:30,;0`E!204!8]6^#_P#R&)?^O9O_`$9%
M7@9I_#AZ_H>YEVE1^A],"ODSZA"'B@?H!I6OW%>W8.E%[#0AH!GQ]XG/_$UN
MO^N[_P`Z_1,-_`I^A^:XI?OZGJ86:[#AL&:`L&:`L&:`L&:`L&:`L-)H+L)F
M@+"4%6$Z4%)`32'89FH+M80T%K83I04(30,;0`E`T%!0AH`]6^#W_(8E_P"O
M5O\`T9'7@9I_#AZ_H>WEW\1^A],BODSZA%#4[P:?;2W)&?)1GQTR0.!^)XJX
MQYY*/F1.7)%OR/%M4N[DND]_-.DLT2S".&]%LL08X5(HRA\YQD$[C\W3`KTX
MI*\816]M;[_H>6[M\TI=+JQZ/X:OYS)+IUVQFDMUC=)6`#O'(,C>!QO7HQ'!
M]*X:L4DIQ5D^G9G?2;NX-W:.OKFV.@^._%'&JW?_`%W?^=?H>&LJ%/T/SC$K
M]_47F8.:Z[G+8,T7"P9HN%@S1<+!FBX6#-%PL&:+E6$HN%A,T7+L(:+AL-S2
MN-!4EB9Q0.PA-`[#>E`Q*`"@-@IE"&@#U;X/?\AB7_KV;_T9'7@9I_#AZ_H>
MWEW\1^A],BODSZA%+4;1;ZWDMGX65&4GTR,9_#K5QER-2[$RCS)KN>;_`-FW
MMDAM;NRDU!A$(5N(I(%!0'*DK*RM&X[D!QZ5V\T9:J:6M[.YP\LHW7(WI8ZC
MPYI,]FTMW>8$\X1=@8.(XXQA5+@+N;NS``$]*YJL[I1ALC>C!P;<NIU72N?T
M^9U'REXC\/:I/J=S)%:7+HTSE66%R"">H(&"*^YP]:C&C",JD4TEI<^&Q%"M
M*K-PIMIOL8W_``C.K?\`/E=?]^9/_B:[/K-'_G[#[SD^JUO^?4_N#_A&-6_Y
M\KK_`+\2?_$T?6:/_/V'WA]5K?\`/J?W!_PC&K_\^5U_WXD_^)H^LT?^?L/O
M#ZK6_P"?4_N#_A&-7_Y\KK_OQ)_\31]9H_\`/V'WA]5K?\^I_<'_``C&K_\`
M/E=?]^)/_B:/K-'_`)^P^\/JM;_GU/[A/^$9U;_GRNO^_$G_`,31]9H_\_8?
M>'U6M_SZG]P?\(SJW_/E=?\`?B3_`.)H^LT?^?L/O#ZK6_Y]3^X/^$9U;_GR
MNO\`OQ)_\31]9H_\_8?>'U6M_P`^I_<-_P"$8U?_`)\KK_OQ)_\`$TOK-'_G
M[#[R_JM;_GU/[@_X1C5_^?*Z_P"_,G_Q-+ZS1_Y^P^\?U:JO^74_N&_\(QJ_
M_/E=?]^9/_B:/K-'_G[#[P^K5?\`GU/[@_X1C5_^?*Z_[\2?X4?6:/\`S]A]
MY7U>K_SZG]PA\+ZO_P`^5W_WXD_^)H^LT?\`G[#[REAZO_/J?W#?^$7U?_GR
MNO\`OQ)_A1]9H_\`/V'WC^KU?^?4_N#_`(1?5_\`GRNO^_$G_P`31]9H_P#/
MV'WA]7J_\^I_<'_"+ZO_`,^5W_WXD_\`B:/K-'_G[#[P^KU?^?4_N#_A%M7_
M`.?&[_[\2?\`Q-'UFC_S]A]X?5ZO_/J?W%>;0-3@.U[2Y4D9P8)>G_?/M1[>
MD]JD?O7ZM"]C4CHZ<E\G^B(_[%U#_GUN?^_$O_Q%+V]-?\O(_?'_`#!4JG_/
MM_=+_(]0^$NFW5IJTKSPRPJ;9AN>-T&=\9QEE`S@'BO%S&I"<4H23MV:_1GL
M9?3E"3<HM;]'^J1]&BOF#Z38*`#`H`,8HV`,"C8!,8H%9!B@+"@4!8,4!8,4
M!83%`6#%`6%`H"PF*`"@88H%8,4!8,4!9!TH&+0`E`!0`8H`,4!Z!B@-0H%Z
&"B@$?__9
`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
