0001393612-21-000043.txt : 20211028 0001393612-21-000043.hdr.sgml : 20211028 20211028162823 ACCESSION NUMBER: 0001393612-21-000043 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 105 CONFORMED PERIOD OF REPORT: 20210930 FILED AS OF DATE: 20211028 DATE AS OF CHANGE: 20211028 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Discover Financial Services CENTRAL INDEX KEY: 0001393612 STANDARD INDUSTRIAL CLASSIFICATION: PERSONAL CREDIT INSTITUTIONS [6141] IRS NUMBER: 362517428 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 001-33378 FILM NUMBER: 211358707 BUSINESS ADDRESS: STREET 1: 2500 LAKE COOK ROAD CITY: RIVERWOODS STATE: IL ZIP: 60015 BUSINESS PHONE: 224-405-0900 MAIL ADDRESS: STREET 1: 2500 LAKE COOK ROAD CITY: RIVERWOODS STATE: IL ZIP: 60015 10-Q 1 dfs-20210930.htm 10-Q dfs-20210930
0001393612--12-312021Q3false0.330.601.00000013936122021-01-012021-09-30xbrli:shares00013936122021-10-22iso4217:USD00013936122021-09-3000013936122020-12-31iso4217:USDxbrli:shares0001393612us-gaap:VariableInterestEntityPrimaryBeneficiaryMember2021-09-300001393612us-gaap:VariableInterestEntityPrimaryBeneficiaryMember2020-12-3100013936122021-07-012021-09-3000013936122020-07-012020-09-300001393612us-gaap:CreditCardReceivablesMemberus-gaap:InterestIncomeMember2020-07-012020-09-3000013936122020-01-012020-09-300001393612us-gaap:PreferredStockMember2020-06-300001393612us-gaap:CommonStockMember2020-06-300001393612us-gaap:AdditionalPaidInCapitalMember2020-06-300001393612us-gaap:RetainedEarningsMember2020-06-300001393612us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-06-300001393612us-gaap:TreasuryStockMember2020-06-3000013936122020-06-300001393612us-gaap:RetainedEarningsMember2020-07-012020-09-300001393612us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-07-012020-09-300001393612us-gaap:CommonStockMember2020-07-012020-09-300001393612us-gaap:AdditionalPaidInCapitalMember2020-07-012020-09-300001393612us-gaap:SeriesCPreferredStockMember2020-07-012020-09-300001393612us-gaap:SeriesCPreferredStockMemberus-gaap:RetainedEarningsMember2020-07-012020-09-300001393612us-gaap:PreferredStockMember2020-09-300001393612us-gaap:CommonStockMember2020-09-300001393612us-gaap:AdditionalPaidInCapitalMember2020-09-300001393612us-gaap:RetainedEarningsMember2020-09-300001393612us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-09-300001393612us-gaap:TreasuryStockMember2020-09-3000013936122020-09-300001393612us-gaap:PreferredStockMember2021-06-300001393612us-gaap:CommonStockMember2021-06-300001393612us-gaap:AdditionalPaidInCapitalMember2021-06-300001393612us-gaap:RetainedEarningsMember2021-06-300001393612us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-06-300001393612us-gaap:TreasuryStockMember2021-06-3000013936122021-06-300001393612us-gaap:RetainedEarningsMember2021-07-012021-09-300001393612us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-07-012021-09-300001393612us-gaap:TreasuryStockMember2021-07-012021-09-300001393612us-gaap:CommonStockMember2021-07-012021-09-300001393612us-gaap:AdditionalPaidInCapitalMember2021-07-012021-09-300001393612us-gaap:SeriesCPreferredStockMember2021-07-012021-09-300001393612us-gaap:SeriesCPreferredStockMemberus-gaap:RetainedEarningsMember2021-07-012021-09-300001393612us-gaap:SeriesDPreferredStockMember2021-07-012021-09-300001393612us-gaap:RetainedEarningsMemberus-gaap:SeriesDPreferredStockMember2021-07-012021-09-300001393612us-gaap:PreferredStockMember2021-09-300001393612us-gaap:CommonStockMember2021-09-300001393612us-gaap:AdditionalPaidInCapitalMember2021-09-300001393612us-gaap:RetainedEarningsMember2021-09-300001393612us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-09-300001393612us-gaap:TreasuryStockMember2021-09-300001393612us-gaap:PreferredStockMember2019-12-310001393612us-gaap:CommonStockMember2019-12-310001393612us-gaap:AdditionalPaidInCapitalMember2019-12-310001393612us-gaap:RetainedEarningsMember2019-12-310001393612us-gaap:AccumulatedOtherComprehensiveIncomeMember2019-12-310001393612us-gaap:TreasuryStockMember2019-12-3100013936122019-12-310001393612us-gaap:AccountingStandardsUpdate201613Memberus-gaap:RetainedEarningsMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2019-12-310001393612us-gaap:AccountingStandardsUpdate201613Membersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2019-12-310001393612us-gaap:RetainedEarningsMember2020-01-012020-09-300001393612us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-01-012020-09-300001393612us-gaap:TreasuryStockMember2020-01-012020-09-300001393612us-gaap:CommonStockMember2020-01-012020-09-300001393612us-gaap:AdditionalPaidInCapitalMember2020-01-012020-09-300001393612us-gaap:PreferredStockMember2020-01-012020-09-300001393612us-gaap:SeriesCPreferredStockMember2020-01-012020-09-300001393612us-gaap:SeriesCPreferredStockMemberus-gaap:RetainedEarningsMember2020-01-012020-09-300001393612us-gaap:PreferredStockMember2020-12-310001393612us-gaap:CommonStockMember2020-12-310001393612us-gaap:AdditionalPaidInCapitalMember2020-12-310001393612us-gaap:RetainedEarningsMember2020-12-310001393612us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-12-310001393612us-gaap:TreasuryStockMember2020-12-310001393612us-gaap:RetainedEarningsMember2021-01-012021-09-300001393612us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-01-012021-09-300001393612us-gaap:TreasuryStockMember2021-01-012021-09-300001393612us-gaap:CommonStockMember2021-01-012021-09-300001393612us-gaap:AdditionalPaidInCapitalMember2021-01-012021-09-300001393612us-gaap:SeriesCPreferredStockMember2021-01-012021-09-300001393612us-gaap:SeriesCPreferredStockMemberus-gaap:RetainedEarningsMember2021-01-012021-09-300001393612us-gaap:SeriesDPreferredStockMember2021-01-012021-09-300001393612us-gaap:RetainedEarningsMemberus-gaap:SeriesDPreferredStockMember2021-01-012021-09-30dfs:segment0001393612us-gaap:USTreasuryBillSecuritiesMemberus-gaap:AssetNotPledgedAsCollateralMember2021-09-300001393612us-gaap:USTreasuryBillSecuritiesMemberus-gaap:AssetNotPledgedAsCollateralMember2020-12-310001393612us-gaap:USTreasuryAndGovernmentMember2021-09-300001393612us-gaap:USTreasuryAndGovernmentMember2020-12-310001393612us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:AssetNotPledgedAsCollateralMember2021-09-300001393612us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:AssetNotPledgedAsCollateralMember2020-12-310001393612us-gaap:USTreasurySecuritiesMember2021-09-300001393612us-gaap:USTreasurySecuritiesMember2020-12-310001393612us-gaap:ResidentialMortgageBackedSecuritiesMember2021-09-300001393612us-gaap:ResidentialMortgageBackedSecuritiesMember2020-12-31dfs:securities0001393612dfs:CommunityReinvestmentActMemberus-gaap:OtherAssetsMember2021-09-300001393612dfs:CommunityReinvestmentActMemberus-gaap:OtherAssetsMember2020-12-310001393612us-gaap:OtherLiabilitiesMemberdfs:CommunityReinvestmentActMember2021-09-300001393612us-gaap:OtherLiabilitiesMemberdfs:CommunityReinvestmentActMember2020-12-310001393612dfs:CommunityReinvestmentActMember2020-12-310001393612dfs:CommunityReinvestmentActMember2021-09-300001393612dfs:PaymentServicesMember2021-09-300001393612dfs:PaymentServicesMember2020-12-310001393612dfs:PaymentServicesMemberus-gaap:OtherAssetsMember2021-09-300001393612dfs:PaymentServicesMemberus-gaap:OtherAssetsMember2020-12-310001393612us-gaap:CreditCardReceivablesMember2021-09-300001393612us-gaap:CreditCardReceivablesMember2020-12-310001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMember2021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMember2020-12-310001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMember2021-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMember2020-12-310001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMember2021-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMember2020-12-310001393612dfs:TotalOtherLoansMember2021-09-300001393612dfs:TotalOtherLoansMember2020-12-310001393612dfs:CreditCardSecuritizationTrustsMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMemberus-gaap:CreditCardReceivablesMember2021-09-300001393612dfs:CreditCardSecuritizationTrustsMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMemberus-gaap:CreditCardReceivablesMember2020-12-310001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMemberdfs:StudentLoanSecuritizationTrustsMember2021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMemberdfs:StudentLoanSecuritizationTrustsMember2020-12-310001393612dfs:FICOScore660andAboveMemberus-gaap:CreditCardReceivablesMember2021-09-30xbrli:pure0001393612dfs:FICOScoreLessThan660OrNoScoreMemberus-gaap:CreditCardReceivablesMember2021-09-300001393612dfs:FICOScore660andAboveMemberus-gaap:CreditCardReceivablesMember2020-12-310001393612dfs:FICOScoreLessThan660OrNoScoreMemberus-gaap:CreditCardReceivablesMember2020-12-310001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:FICOScore660andAboveMember2021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:FICOScoreLessThan660OrNoScoreMember2021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:FICOScore660andAboveMember2020-12-310001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:FICOScoreLessThan660OrNoScoreMember2020-12-310001393612dfs:TotalOtherLoansMemberdfs:FICOScore660andAboveMemberdfs:PersonalLoansMember2021-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMemberdfs:FICOScoreLessThan660OrNoScoreMember2021-09-300001393612dfs:TotalOtherLoansMemberdfs:FICOScore660andAboveMemberdfs:PersonalLoansMember2020-12-310001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMemberdfs:FICOScoreLessThan660OrNoScoreMember2020-12-310001393612srt:MinimumMember2021-01-012021-09-300001393612dfs:FinancingReceivables30to89DaysPastDueMemberus-gaap:CreditCardReceivablesMember2021-09-300001393612us-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-09-300001393612dfs:FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMemberus-gaap:CreditCardReceivablesMember2021-09-300001393612dfs:FinancingReceivables30to89DaysPastDueMemberus-gaap:CreditCardReceivablesMember2020-12-310001393612us-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001393612dfs:FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMemberus-gaap:CreditCardReceivablesMember2020-12-310001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:FinancingReceivables30to89DaysPastDueMember2021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMember2021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:FinancingReceivables30to89DaysPastDueMember2020-12-310001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMember2020-12-310001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMemberdfs:FinancingReceivables30to89DaysPastDueMember2021-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-09-300001393612dfs:TotalOtherLoansMemberdfs:FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMemberdfs:PersonalLoansMember2021-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMemberdfs:FinancingReceivables30to89DaysPastDueMember2020-12-310001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001393612dfs:TotalOtherLoansMemberdfs:FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMemberdfs:PersonalLoansMember2020-12-310001393612us-gaap:CreditCardReceivablesMember2021-06-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMember2021-06-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMember2021-06-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMember2021-06-300001393612us-gaap:CreditCardReceivablesMember2021-07-012021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMember2021-07-012021-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMember2021-07-012021-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMember2021-07-012021-09-300001393612us-gaap:CreditCardReceivablesMember2020-06-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMember2020-06-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMember2020-06-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMember2020-06-300001393612us-gaap:CreditCardReceivablesMember2020-07-012020-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMember2020-07-012020-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMember2020-07-012020-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMember2020-07-012020-09-300001393612us-gaap:CreditCardReceivablesMember2020-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMember2020-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMember2020-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMember2020-09-300001393612us-gaap:CreditCardReceivablesMember2021-01-012021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMember2021-01-012021-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMember2021-01-012021-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMember2021-01-012021-09-300001393612us-gaap:CreditCardReceivablesMember2019-12-310001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMember2019-12-310001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMember2019-12-310001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMember2019-12-310001393612us-gaap:CreditCardReceivablesMember2020-01-012020-01-010001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMember2020-01-012020-01-010001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMember2020-01-012020-01-010001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMember2020-01-012020-01-0100013936122020-01-012020-01-010001393612us-gaap:CreditCardReceivablesMember2020-01-010001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMember2020-01-010001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMember2020-01-010001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMember2020-01-0100013936122020-01-010001393612us-gaap:CreditCardReceivablesMember2020-01-012020-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMember2020-01-012020-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMember2020-01-012020-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMember2020-01-012020-09-3000013936122020-10-012020-12-3100013936122020-04-012020-06-3000013936122021-01-012021-03-3100013936122021-04-012021-06-3000013936122020-01-012020-03-310001393612us-gaap:FinancialAssetPastDueMemberus-gaap:CreditCardReceivablesMember2021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberus-gaap:FinancialAssetPastDueMember2021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:FinancialAssetPastDueMemberdfs:PersonalLoansMember2021-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberdfs:FinancingReceivables30to89DaysPastDueMember2021-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberus-gaap:FinancialAssetPastDueMember2021-09-300001393612dfs:TotalOtherLoansMemberdfs:FinancingReceivables30to89DaysPastDueMember2021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:FinancialAssetPastDueMember2021-09-300001393612dfs:FinancingReceivables30to89DaysPastDueMember2021-09-300001393612us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-09-300001393612us-gaap:FinancialAssetPastDueMember2021-09-300001393612us-gaap:FinancialAssetPastDueMemberus-gaap:CreditCardReceivablesMember2020-12-310001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberus-gaap:FinancialAssetPastDueMember2020-12-310001393612dfs:TotalOtherLoansMemberus-gaap:FinancialAssetPastDueMemberdfs:PersonalLoansMember2020-12-310001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberdfs:FinancingReceivables30to89DaysPastDueMember2020-12-310001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberus-gaap:FinancialAssetPastDueMember2020-12-310001393612dfs:TotalOtherLoansMemberdfs:FinancingReceivables30to89DaysPastDueMember2020-12-310001393612dfs:TotalOtherLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001393612dfs:TotalOtherLoansMemberus-gaap:FinancialAssetPastDueMember2020-12-310001393612dfs:FinancingReceivables30to89DaysPastDueMember2020-12-310001393612us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001393612us-gaap:FinancialAssetPastDueMember2020-12-310001393612us-gaap:CreditCardReceivablesMemberus-gaap:CreditCardReceivablesMember2021-01-012021-09-300001393612srt:MaximumMemberus-gaap:CreditCardReceivablesMemberus-gaap:CreditCardReceivablesMember2021-01-012021-09-300001393612us-gaap:StudentLoanMember2021-09-300001393612us-gaap:StudentLoanMember2020-12-310001393612dfs:PersonalLoansMember2021-01-012021-09-300001393612us-gaap:CreditCardReceivablesMemberus-gaap:CreditCardReceivablesMember2021-07-012021-09-300001393612us-gaap:CreditCardReceivablesMemberus-gaap:CreditCardReceivablesMember2020-07-012020-09-300001393612us-gaap:CreditCardReceivablesMemberus-gaap:CreditCardReceivablesMember2020-01-012020-09-30dfs:accountsdfs:missed_paymentsdfs:classes0001393612dfs:CreditCardSecuritizationTrustsMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMemberdfs:DiscoverCardExecutionNoteTrustMember2021-01-012021-09-300001393612dfs:CreditCardSecuritizationTrustsMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMember2021-09-300001393612dfs:CreditCardSecuritizationTrustsMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMember2020-12-310001393612us-gaap:VariableInterestEntityPrimaryBeneficiaryMemberdfs:StudentLoanSecuritizationTrustsMember2021-09-300001393612us-gaap:VariableInterestEntityPrimaryBeneficiaryMemberdfs:StudentLoanSecuritizationTrustsMember2020-12-310001393612us-gaap:TradeNamesMember2020-01-012020-06-300001393612us-gaap:TradeNamesMember2020-04-012020-06-300001393612dfs:InternationalTransactionProcessingRightsMember2020-01-012020-06-300001393612dfs:InternationalTransactionProcessingRightsMember2020-04-012020-06-300001393612us-gaap:TradeNamesMember2021-04-012021-06-300001393612us-gaap:TradeNamesMember2021-01-012021-06-300001393612dfs:InternationalTransactionProcessingRightsMember2021-09-300001393612us-gaap:TradeNamesMember2021-09-30dfs:channels0001393612dfs:FixedRateAssetBackedSecuritiesMemberus-gaap:SecuredDebtMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMembersrt:MinimumMember2021-09-300001393612srt:MaximumMemberdfs:FixedRateAssetBackedSecuritiesMemberus-gaap:SecuredDebtMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember2021-09-300001393612dfs:FixedRateAssetBackedSecuritiesMemberus-gaap:SecuredDebtMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember2021-09-300001393612dfs:FixedRateAssetBackedSecuritiesMemberus-gaap:SecuredDebtMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember2020-12-310001393612us-gaap:SecuredDebtMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMembersrt:MinimumMemberdfs:FloatingRateAssetBackedSecuritiesMember2021-09-300001393612srt:MaximumMemberus-gaap:SecuredDebtMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMemberdfs:FloatingRateAssetBackedSecuritiesMember2021-09-300001393612us-gaap:SecuredDebtMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMemberdfs:FloatingRateAssetBackedSecuritiesMember2021-09-300001393612us-gaap:SecuredDebtMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMemberdfs:FloatingRateAssetBackedSecuritiesMember2020-12-310001393612us-gaap:SecuredDebtMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember2021-09-300001393612us-gaap:SecuredDebtMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember2020-12-310001393612dfs:SlcPrivateStudentLoanTrustMembersrt:MaximumMemberus-gaap:SecuredDebtMemberdfs:FloatingRateAssetBackedSecuritiesMember2021-09-300001393612dfs:SlcPrivateStudentLoanTrustMemberus-gaap:SecuredDebtMembersrt:MinimumMemberdfs:FloatingRateAssetBackedSecuritiesMember2021-09-300001393612dfs:SlcPrivateStudentLoanTrustMemberus-gaap:SecuredDebtMemberdfs:FloatingRateAssetBackedSecuritiesMember2021-09-300001393612dfs:SlcPrivateStudentLoanTrustMemberus-gaap:SecuredDebtMemberdfs:FloatingRateAssetBackedSecuritiesMember2020-12-310001393612dfs:SlcPrivateStudentLoanTrustMemberus-gaap:SecuredDebtMember2021-09-300001393612dfs:SlcPrivateStudentLoanTrustMemberus-gaap:SecuredDebtMember2020-12-310001393612us-gaap:SecuredDebtMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMember2021-09-300001393612us-gaap:SecuredDebtMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMember2020-12-310001393612dfs:FixedRateSeniorNotesMembersrt:ParentCompanyMembersrt:MinimumMemberus-gaap:CorporateDebtSecuritiesMember2021-09-300001393612srt:MaximumMemberdfs:FixedRateSeniorNotesMembersrt:ParentCompanyMemberus-gaap:CorporateDebtSecuritiesMember2021-09-300001393612dfs:FixedRateSeniorNotesMembersrt:ParentCompanyMemberus-gaap:CorporateDebtSecuritiesMember2021-09-300001393612dfs:FixedRateSeniorNotesMembersrt:ParentCompanyMemberus-gaap:CorporateDebtSecuritiesMember2020-12-310001393612dfs:FixedRateRetailNotesMembersrt:ParentCompanyMembersrt:MinimumMemberus-gaap:CorporateDebtSecuritiesMember2021-09-300001393612srt:MaximumMemberdfs:FixedRateRetailNotesMembersrt:ParentCompanyMemberus-gaap:CorporateDebtSecuritiesMember2021-09-300001393612dfs:FixedRateRetailNotesMembersrt:ParentCompanyMemberus-gaap:CorporateDebtSecuritiesMember2021-09-300001393612dfs:FixedRateRetailNotesMembersrt:ParentCompanyMemberus-gaap:CorporateDebtSecuritiesMember2020-12-310001393612dfs:DiscoverBankMemberdfs:SeniorBankNotesMemberus-gaap:SeniorNotesMembersrt:MinimumMember2021-09-300001393612srt:MaximumMemberdfs:DiscoverBankMemberdfs:SeniorBankNotesMemberus-gaap:SeniorNotesMember2021-09-300001393612dfs:DiscoverBankMemberdfs:SeniorBankNotesMemberus-gaap:SeniorNotesMember2021-09-300001393612dfs:DiscoverBankMemberdfs:SeniorBankNotesMemberus-gaap:SeniorNotesMember2020-12-310001393612srt:MaximumMemberdfs:DiscoverBankMemberdfs:SubordinatedBankNotesMemberus-gaap:SubordinatedDebtMember2021-09-300001393612dfs:DiscoverBankMembersrt:MinimumMemberdfs:SubordinatedBankNotesMemberus-gaap:SubordinatedDebtMember2021-09-300001393612dfs:DiscoverBankMemberdfs:SubordinatedBankNotesMemberus-gaap:SubordinatedDebtMember2021-09-300001393612dfs:DiscoverBankMemberdfs:SubordinatedBankNotesMemberus-gaap:SubordinatedDebtMember2020-12-310001393612us-gaap:SecuredDebtMemberdfs:OneMonthLondonInterbankOfferedRateLIBORMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMemberdfs:FloatingRateAssetBackedSecuritiesMember2021-01-012021-09-300001393612dfs:SlcPrivateStudentLoanTrustMemberus-gaap:PrimeRateMemberus-gaap:SecuredDebtMemberdfs:FloatingRateAssetBackedSecuritiesMember2021-01-012021-09-300001393612us-gaap:SecuredDebtMemberdfs:OneMonthLondonInterbankOfferedRateLIBORMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMembersrt:MinimumMemberdfs:FloatingRateAssetBackedSecuritiesMember2021-01-012021-09-300001393612srt:MaximumMemberus-gaap:SecuredDebtMemberdfs:OneMonthLondonInterbankOfferedRateLIBORMemberdfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMemberdfs:FloatingRateAssetBackedSecuritiesMember2021-01-012021-09-300001393612us-gaap:SeriesCPreferredStockMember2017-10-312017-10-310001393612us-gaap:SeriesCPreferredStockMemberus-gaap:PreferredStockMember2021-09-300001393612us-gaap:SeriesCPreferredStockMemberus-gaap:PreferredStockMember2021-01-012021-09-300001393612us-gaap:SeriesCPreferredStockMemberus-gaap:PreferredStockMember2020-12-310001393612us-gaap:SeriesDPreferredStockMember2020-07-222020-07-220001393612us-gaap:PreferredStockMemberus-gaap:SeriesDPreferredStockMember2021-09-300001393612us-gaap:PreferredStockMemberus-gaap:SeriesDPreferredStockMember2021-01-012021-09-300001393612us-gaap:PreferredStockMemberus-gaap:SeriesDPreferredStockMember2020-12-310001393612dfs:ThreeMonthLondonInterbankOfferedRateLIBORMemberus-gaap:SeriesCPreferredStockMemberus-gaap:PreferredStockMember2021-01-012021-09-300001393612dfs:FiveYearTreasuryRateMemberus-gaap:PreferredStockMemberus-gaap:SeriesDPreferredStockMember2021-01-012021-09-300001393612us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-06-300001393612us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-06-300001393612us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2021-06-300001393612us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-07-012021-09-300001393612us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-07-012021-09-300001393612us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2021-07-012021-09-300001393612us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-09-300001393612us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-09-300001393612us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2021-09-300001393612us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-06-300001393612us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2020-06-300001393612us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2020-06-300001393612us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-07-012020-09-300001393612us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2020-07-012020-09-300001393612us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2020-07-012020-09-300001393612us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-09-300001393612us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2020-09-300001393612us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2020-09-300001393612us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-12-310001393612us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2020-12-310001393612us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2020-12-310001393612us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-01-012021-09-300001393612us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-01-012021-09-300001393612us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2021-01-012021-09-300001393612us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2019-12-310001393612us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2019-12-310001393612us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2019-12-310001393612us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-01-012020-09-300001393612us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2020-01-012020-09-300001393612us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2020-01-012020-09-300001393612srt:ParentCompanyMember2021-09-300001393612dfs:DiscoverBankMember2021-09-300001393612srt:ParentCompanyMember2020-12-310001393612dfs:DiscoverBankMember2020-12-310001393612us-gaap:CommitmentsToExtendCreditMember2021-09-300001393612dfs:MerchantChargebackGuaranteesMember2021-07-012021-09-300001393612dfs:MerchantChargebackGuaranteesMember2020-07-012020-09-300001393612dfs:MerchantChargebackGuaranteesMember2021-01-012021-09-300001393612dfs:MerchantChargebackGuaranteesMember2020-01-012020-09-300001393612srt:MaximumMemberdfs:PendingAndThreatenedLitigationMember2021-09-300001393612us-gaap:UnfavorableRegulatoryActionMembersrt:MinimumMemberdfs:ConsumerFinancialProtectionBureauConsentOrderMember2020-12-220001393612us-gaap:UnfavorableRegulatoryActionMemberdfs:ConsumerFinancialProtectionBureauConsentOrderMember2020-12-222020-12-220001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMemberus-gaap:FairValueInputsLevel1Member2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USTreasuryAndGovernmentMember2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMemberus-gaap:FairValueInputsLevel3Member2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel1Member2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:ResidentialMortgageBackedSecuritiesMember2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel3Member2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:ResidentialMortgageBackedSecuritiesMember2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMember2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueHedgingMemberus-gaap:FairValueInputsLevel1Memberus-gaap:InterestRateSwapMember2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueHedgingMemberus-gaap:InterestRateSwapMember2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueHedgingMemberus-gaap:InterestRateSwapMember2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueHedgingMemberus-gaap:InterestRateSwapMember2021-09-300001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:USTreasurySecuritiesMember2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USTreasurySecuritiesMember2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:USTreasurySecuritiesMember2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel1Member2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:ResidentialMortgageBackedSecuritiesMember2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel3Member2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:ResidentialMortgageBackedSecuritiesMember2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMember2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueHedgingMemberus-gaap:FairValueInputsLevel1Memberus-gaap:InterestRateSwapMember2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueHedgingMemberus-gaap:InterestRateSwapMember2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueHedgingMemberus-gaap:InterestRateSwapMember2020-12-310001393612us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueHedgingMemberus-gaap:InterestRateSwapMember2020-12-310001393612us-gaap:ResidentialMortgageBackedSecuritiesMember2021-01-012021-09-300001393612us-gaap:FairValueMeasurementsNonrecurringMember2021-01-012021-09-300001393612us-gaap:FairValueMeasurementsNonrecurringMember2021-07-012021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel1Member2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Memberus-gaap:ResidentialMortgageBackedSecuritiesMember2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel3Member2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialMortgageBackedSecuritiesMember2021-09-300001393612us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:CarryingReportedAmountFairValueDisclosureMember2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel1Member2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Member2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel3Member2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMember2021-09-300001393612us-gaap:CarryingReportedAmountFairValueDisclosureMember2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMemberus-gaap:FairValueInputsLevel1Member2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Memberus-gaap:VariableInterestEntityPrimaryBeneficiaryMember2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel3Memberus-gaap:VariableInterestEntityPrimaryBeneficiaryMember2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMember2021-09-300001393612us-gaap:VariableInterestEntityPrimaryBeneficiaryMemberus-gaap:CarryingReportedAmountFairValueDisclosureMember2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel1Membersrt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Membersrt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel3Membersrt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMembersrt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember2021-09-300001393612us-gaap:CarryingReportedAmountFairValueDisclosureMembersrt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember2021-09-300001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel1Member2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Memberus-gaap:ResidentialMortgageBackedSecuritiesMember2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel3Member2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialMortgageBackedSecuritiesMember2020-12-310001393612us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:CarryingReportedAmountFairValueDisclosureMember2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel1Member2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Member2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel3Member2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMember2020-12-310001393612us-gaap:CarryingReportedAmountFairValueDisclosureMember2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMemberus-gaap:FairValueInputsLevel1Member2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Memberus-gaap:VariableInterestEntityPrimaryBeneficiaryMember2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel3Memberus-gaap:VariableInterestEntityPrimaryBeneficiaryMember2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:VariableInterestEntityPrimaryBeneficiaryMember2020-12-310001393612us-gaap:VariableInterestEntityPrimaryBeneficiaryMemberus-gaap:CarryingReportedAmountFairValueDisclosureMember2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel1Membersrt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Membersrt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel3Membersrt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember2020-12-310001393612us-gaap:EstimateOfFairValueFairValueDisclosureMembersrt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember2020-12-310001393612us-gaap:CarryingReportedAmountFairValueDisclosureMembersrt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember2020-12-310001393612us-gaap:FinanceReceivablesMember2021-07-012021-09-300001393612us-gaap:FinanceReceivablesMember2021-01-012021-09-300001393612us-gaap:InterestExpenseMember2021-01-012021-09-30dfs:transactions0001393612us-gaap:CashFlowHedgingMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2021-09-300001393612us-gaap:CashFlowHedgingMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-12-310001393612us-gaap:FairValueHedgingMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2021-09-300001393612us-gaap:FairValueHedgingMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-12-310001393612us-gaap:ForeignExchangeForwardMemberus-gaap:NondesignatedMember2021-09-300001393612us-gaap:ForeignExchangeForwardMemberus-gaap:NondesignatedMember2020-12-310001393612us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMember2021-09-300001393612us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMember2020-12-31iso4217:EURiso4217:GBPiso4217:SGDiso4217:INR0001393612dfs:WhenIssuedForwardContractsMemberus-gaap:NondesignatedMember2021-09-300001393612dfs:WhenIssuedForwardContractsMemberus-gaap:NondesignatedMember2020-12-310001393612us-gaap:LongTermDebtMember2021-09-300001393612us-gaap:LongTermDebtMember2020-12-310001393612us-gaap:InterestExpenseMemberus-gaap:DepositsMember2021-07-012021-09-300001393612us-gaap:LongTermDebtMemberus-gaap:InterestExpenseMember2021-07-012021-09-300001393612us-gaap:OtherIncomeMember2021-07-012021-09-300001393612us-gaap:InterestExpenseMemberus-gaap:DepositsMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2021-07-012021-09-300001393612us-gaap:LongTermDebtMemberus-gaap:InterestExpenseMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2021-07-012021-09-300001393612us-gaap:OtherIncomeMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2021-07-012021-09-300001393612us-gaap:InterestExpenseMemberus-gaap:DepositsMember2020-07-012020-09-300001393612us-gaap:LongTermDebtMemberus-gaap:InterestExpenseMember2020-07-012020-09-300001393612us-gaap:OtherIncomeMember2020-07-012020-09-300001393612us-gaap:InterestExpenseMemberus-gaap:DepositsMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-07-012020-09-300001393612us-gaap:LongTermDebtMemberus-gaap:InterestExpenseMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-07-012020-09-300001393612us-gaap:OtherIncomeMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-07-012020-09-300001393612us-gaap:InterestExpenseMemberus-gaap:NondesignatedMemberus-gaap:DepositsMember2020-07-012020-09-300001393612us-gaap:LongTermDebtMemberus-gaap:InterestExpenseMemberus-gaap:NondesignatedMember2020-07-012020-09-300001393612us-gaap:OtherIncomeMemberus-gaap:NondesignatedMember2020-07-012020-09-300001393612us-gaap:InterestExpenseMemberus-gaap:DepositsMember2021-01-012021-09-300001393612us-gaap:LongTermDebtMemberus-gaap:InterestExpenseMember2021-01-012021-09-300001393612us-gaap:OtherIncomeMember2021-01-012021-09-300001393612us-gaap:InterestExpenseMemberus-gaap:DepositsMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2021-01-012021-09-300001393612us-gaap:LongTermDebtMemberus-gaap:InterestExpenseMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2021-01-012021-09-300001393612us-gaap:OtherIncomeMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2021-01-012021-09-300001393612us-gaap:InterestExpenseMemberus-gaap:DepositsMember2020-01-012020-09-300001393612us-gaap:LongTermDebtMemberus-gaap:InterestExpenseMember2020-01-012020-09-300001393612us-gaap:OtherIncomeMember2020-01-012020-09-300001393612us-gaap:InterestExpenseMemberus-gaap:DepositsMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-01-012020-09-300001393612us-gaap:LongTermDebtMemberus-gaap:InterestExpenseMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-01-012020-09-300001393612us-gaap:OtherIncomeMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-01-012020-09-300001393612dfs:DirectBankingMemberus-gaap:OperatingSegmentsMemberus-gaap:CreditCardReceivablesMember2021-07-012021-09-300001393612dfs:PaymentServicesMemberus-gaap:OperatingSegmentsMemberus-gaap:CreditCardReceivablesMember2021-07-012021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001393612dfs:TotalOtherLoansMemberdfs:PaymentServicesMemberdfs:PersonalLoansMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberdfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001393612us-gaap:UnallocatedFinancingReceivablesMemberdfs:OtherLoansandInvestmentIncomeMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001393612us-gaap:UnallocatedFinancingReceivablesMemberdfs:OtherLoansandInvestmentIncomeMemberdfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001393612us-gaap:UnallocatedFinancingReceivablesMemberdfs:OtherLoansandInvestmentIncomeMember2021-07-012021-09-300001393612dfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001393612dfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001393612dfs:DirectBankingMemberus-gaap:OperatingSegmentsMemberus-gaap:CreditCardReceivablesMember2020-07-012020-09-300001393612dfs:PaymentServicesMemberus-gaap:OperatingSegmentsMemberus-gaap:CreditCardReceivablesMember2020-07-012020-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2020-07-012020-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2020-07-012020-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2020-07-012020-09-300001393612dfs:TotalOtherLoansMemberdfs:PaymentServicesMemberdfs:PersonalLoansMemberus-gaap:OperatingSegmentsMember2020-07-012020-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2020-07-012020-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberdfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2020-07-012020-09-300001393612us-gaap:UnallocatedFinancingReceivablesMemberdfs:OtherLoansandInvestmentIncomeMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2020-07-012020-09-300001393612us-gaap:UnallocatedFinancingReceivablesMemberdfs:OtherLoansandInvestmentIncomeMemberdfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2020-07-012020-09-300001393612us-gaap:UnallocatedFinancingReceivablesMemberdfs:OtherLoansandInvestmentIncomeMember2020-07-012020-09-300001393612dfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2020-07-012020-09-300001393612dfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2020-07-012020-09-300001393612dfs:DirectBankingMemberus-gaap:OperatingSegmentsMemberus-gaap:CreditCardReceivablesMember2021-01-012021-09-300001393612dfs:PaymentServicesMemberus-gaap:OperatingSegmentsMemberus-gaap:CreditCardReceivablesMember2021-01-012021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001393612dfs:TotalOtherLoansMemberdfs:PaymentServicesMemberdfs:PersonalLoansMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberdfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001393612us-gaap:UnallocatedFinancingReceivablesMemberdfs:OtherLoansandInvestmentIncomeMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001393612us-gaap:UnallocatedFinancingReceivablesMemberdfs:OtherLoansandInvestmentIncomeMemberdfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001393612us-gaap:UnallocatedFinancingReceivablesMemberdfs:OtherLoansandInvestmentIncomeMember2021-01-012021-09-300001393612dfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001393612dfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001393612dfs:DirectBankingMemberus-gaap:OperatingSegmentsMemberus-gaap:CreditCardReceivablesMember2020-01-012020-09-300001393612dfs:PaymentServicesMemberus-gaap:OperatingSegmentsMemberus-gaap:CreditCardReceivablesMember2020-01-012020-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2020-01-012020-09-300001393612dfs:TotalOtherLoansMemberus-gaap:StudentLoanMemberdfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2020-01-012020-09-300001393612dfs:TotalOtherLoansMemberdfs:PersonalLoansMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2020-01-012020-09-300001393612dfs:TotalOtherLoansMemberdfs:PaymentServicesMemberdfs:PersonalLoansMemberus-gaap:OperatingSegmentsMember2020-01-012020-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2020-01-012020-09-300001393612dfs:TotalOtherLoansMemberdfs:OtherLoansMemberdfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2020-01-012020-09-300001393612us-gaap:UnallocatedFinancingReceivablesMemberdfs:OtherLoansandInvestmentIncomeMemberdfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2020-01-012020-09-300001393612us-gaap:UnallocatedFinancingReceivablesMemberdfs:OtherLoansandInvestmentIncomeMemberdfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2020-01-012020-09-300001393612us-gaap:UnallocatedFinancingReceivablesMemberdfs:OtherLoansandInvestmentIncomeMember2020-01-012020-09-300001393612dfs:DirectBankingMemberus-gaap:OperatingSegmentsMember2020-01-012020-09-300001393612dfs:PaymentServicesMemberus-gaap:OperatingSegmentsMember2020-01-012020-09-300001393612dfs:DirectBankingMemberus-gaap:AccountingStandardsUpdate201409Memberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001393612dfs:PaymentServicesMemberus-gaap:AccountingStandardsUpdate201409Memberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001393612us-gaap:AccountingStandardsUpdate201409Member2021-07-012021-09-300001393612dfs:DirectBankingMemberus-gaap:AccountingStandardsUpdate201409Memberus-gaap:OperatingSegmentsMember2020-07-012020-09-300001393612dfs:PaymentServicesMemberus-gaap:AccountingStandardsUpdate201409Memberus-gaap:OperatingSegmentsMember2020-07-012020-09-300001393612us-gaap:AccountingStandardsUpdate201409Member2020-07-012020-09-300001393612dfs:DirectBankingMemberus-gaap:AccountingStandardsUpdate201409Memberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001393612dfs:PaymentServicesMemberus-gaap:AccountingStandardsUpdate201409Memberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001393612us-gaap:AccountingStandardsUpdate201409Member2021-01-012021-09-300001393612dfs:DirectBankingMemberus-gaap:AccountingStandardsUpdate201409Memberus-gaap:OperatingSegmentsMember2020-01-012020-09-300001393612dfs:PaymentServicesMemberus-gaap:AccountingStandardsUpdate201409Memberus-gaap:OperatingSegmentsMember2020-01-012020-09-300001393612us-gaap:AccountingStandardsUpdate201409Member2020-01-012020-09-30

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
(Mark One)
☒    QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended September 30, 2021
☐    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from                    to 
Commission File Number 001-33378
DISCOVER FINANCIAL SERVICES
(Exact name of registrant as specified in its charter) 
Delaware
(State or other jurisdiction of incorporation or organization)
36-2517428
(I.R.S. Employer Identification No.)
2500 Lake Cook Road, Riverwoods, Illinois 60015
(Address of principal executive offices, including zip code)
(224) 405-0900
(Registrant's telephone number, including area code)
Securities registered pursuant to Section 12(b) of the Act
Title of each classTrading symbol(s)Name of each exchange on which registered
Common Stock, par value $0.01 per shareDFSNew York Stock Exchange
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ☒    No  ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).     Yes  ☒    No  ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large Accelerated Filer
☒
Accelerated Filer
☐
Non-accelerated Filer
☐
Smaller Reporting Company☐
Emerging Growth Company☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ☐    No  ☒
As of October 22, 2021, there were 293,075,754 shares of the registrant's Common Stock, par value $0.01 per share, outstanding.



DISCOVER FINANCIAL SERVICES
Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2021
Except as otherwise indicated or unless the context otherwise requires, "Discover Financial Services," "Discover," "DFS," "we," "us," "our," and "the Company" refer to Discover Financial Services and its subsidiaries. See Glossary of Acronyms, located after Part I — Item 4, for terms and abbreviations used throughout the quarterly report.
We own or have rights to use the trademarks, trade names and service marks that we use in conjunction with the operation of our business, including, but not limited to Discover®, PULSE®, Cashback Bonus®, Discover Cashback Checking®, Discover it®, Freeze it®, College Covered® and Diners Club International®. All other trademarks, trade names and service marks included in this quarterly report on Form 10-Q are the property of their respective owners.

Part I.    FINANCIAL INFORMATION
Item 1.    Financial Statements
DISCOVER FINANCIAL SERVICES
Condensed Consolidated Statements of Financial Condition
September 30,
2021		December 31,
2020
 
(unaudited)
(dollars in millions,
except for share amounts)
Assets
Cash and cash equivalents$12,716 $13,564 
Restricted cash32 25 
Other short-term investments— 2,200 
Investment securities (includes available-for-sale securities of $7,791 and $9,654 reported at fair value with associated amortized cost of $7,566 and $9,277 at September 30, 2021 and December 31, 2020, respectively)
8,014 9,914 
Loan receivables
Loan receivables89,542 90,449 
Allowance for credit losses(6,861)(8,226)
Net loan receivables82,681 82,223 
Premises and equipment, net987 1,027 
Goodwill255 255 
Intangible assets, net1 95 
Other assets3,858 3,586 
Total assets$108,544 $112,889 
Liabilities and Stockholders' Equity
Liabilities
Deposits
Interest-bearing deposit accounts$71,126 $75,695 
Non-interest bearing deposit accounts1,436 1,209 
Total deposits72,562 76,904 
Long-term borrowings18,516 21,241 
Accrued expenses and other liabilities4,203 3,860 
Total liabilities95,281 102,005 
Commitments, contingencies and guarantees (Notes 10, 13 and 14)
Stockholders' Equity
Common stock, par value $0.01 per share; 2,000,000,000 shares authorized; 568,761,125 and 567,898,063 shares issued at September 30, 2021 and December 31, 2020, respectively
6 6 
Preferred stock, par value $0.01 per share; 200,000,000 shares authorized; 10,700 shares issued and outstanding at September 30, 2021 and December 31, 2020, respectively
1,056 1,056 
Additional paid-in capital4,345 4,257 
Retained earnings23,846 19,955 
Accumulated other comprehensive (loss) income(68)45 
Treasury stock, at cost; 274,001,084 and 261,300,765 shares at September 30, 2021 and December 31, 2020, respectively
(15,922)(14,435)
Total stockholders' equity13,263 10,884 
Total liabilities and stockholders' equity$108,544 $112,889 
The table below presents the carrying amounts of certain assets and liabilities of Discover Financial Services' consolidated variable interest entities ("VIEs"), which are included in the condensed consolidated statements of financial condition above. The assets in the table below include those assets that can only be used to settle obligations of the consolidated VIEs. The liabilities in the table below include third-party liabilities of consolidated VIEs only and exclude intercompany balances that eliminate in consolidation. The liabilities also exclude amounts for which creditors have recourse to the general credit of Discover Financial Services.
September 30,
2021		December 31,
2020
 
(unaudited)
(dollars in millions)
Assets
Restricted cash$32 $25 
Loan receivables$24,751 $27,546 
Allowance for credit losses allocated to securitized loan receivables$(1,436)$(1,936)
Other assets$4 $4 
Liabilities
Long-term borrowings$9,064 $10,840 
Accrued expenses and other liabilities$5 $8 
See Notes to the Condensed Consolidated Financial Statements.
1
DISCOVER FINANCIAL SERVICES
Condensed Consolidated Statements of Income
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
  (unaudited)
(dollars in millions, except per share amounts)
Interest income
Credit card loans$2,193 $2,171 $6,452 $6,760 
Other loans433 446 1,301 1,369 
Investment securities45 58 142 171 
Other interest income3 6 14 35 
Total interest income2,674 2,681 7,909 8,335 
Interest expense
Deposits156 287 519 1,000 
Short-term borrowings— 3 — 3 
Long-term borrowings113 126 356 479 
Total interest expense269 416 875 1,482 
Net interest income2,405 2,265 7,034 6,853 
Provision for credit losses185 750 (45)4,603 
Net interest income after provision for credit losses2,220 1,515 7,079 2,250 
Other income
Discount and interchange revenue, net299 238 879 691 
Protection products revenue43 44 129 135 
Loan fee income121 100 333 304 
Transaction processing revenue58 50 167 143 
Unrealized (losses) gains on equity investments(167)— 562 — 
Realized gains on equity investments— — — 79 
Other income18 17 47 59 
Total other income372 449 2,117 1,411 
Other expense
Employee compensation and benefits483 471 1,487 1,390 
Marketing and business development210 140 539 500 
Information processing and communications121 111 375 342 
Professional fees198 151 567 525 
Premises and equipment23 26 69 83 
Other expense155 106 456 401 
Total other expense1,190 1,005 3,493 3,241 
Income before income taxes1,402 959 5,703 420 
Income tax expense311 188 1,321 78 
Net income$1,091 $771 $4,382 $342 
Net income allocated to common stockholders$1,055 $751 $4,289 $309 
Basic earnings per common share$3.54 $2.45 $14.17 $1.00 
Diluted earnings per common share$3.54 $2.45 $14.16 $1.00 
See Notes to the Condensed Consolidated Financial Statements.
2
DISCOVER FINANCIAL SERVICES
Condensed Consolidated Statements of Comprehensive Income
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
  (unaudited)
(dollars in millions)
Net income$1,091 $771 $4,382 $342 
Other comprehensive (loss) income, net of tax
Unrealized (losses) gains on available-for-sale investment securities, net of tax(29)(32)(115)208 
Unrealized gains on cash flow hedges, net of tax— 3 2 4 
Other comprehensive (loss) income(29)(29)(113)212 
Comprehensive income$1,062 $742 $4,269 $554 

See Notes to the Condensed Consolidated Financial Statements.
3
DISCOVER FINANCIAL SERVICES
Condensed Consolidated Statements of Changes in Stockholders' Equity
 Additional
Paid-in
Capital		Retained
Earnings		Accumulated Other Comprehensive Income (Loss)Treasury
Stock		Total
Stockholders'
Equity
Preferred StockCommon Stock
 SharesAmountSharesAmount
 (unaudited)
(dollars in millions, shares in thousands)
For the Three Months Ended September 30, 2020
Balance at June 30, 202011 $1,056 567,653 $6 $4,216 $18,673 $122 $(14,430)$9,643 
Net income— — — — — 771 — — 771 
Other comprehensive loss — — — — — — (29)— (29)
Common stock issued under employee benefit plans— — 50 — 3 — — — 3 
Common stock issued and stock-based compensation expense— — 41 — 16 — — — 16 
Dividends — common stock ($0.44 per share)
— — — — — (137)— — (137)
Dividends — Series C preferred stock ($2,750 per share)
— — — — — (15)— — (15)
Balance at September 30, 202011 $1,056 567,744 $6 $4,235 $19,292 $93 $(14,430)$10,252 
For the Three Months Ended September 30, 2021
Balance at June 30, 202111 $1,056 568,693 $6 $4,319 $22,936 $(39)$(15,107)$13,171 
Net income— — — — — 1,091 — — 1,091 
Other comprehensive loss — — — — — — (29)— (29)
Purchases of treasury stock— — — — — — — (815)(815)
Common stock issued under employee benefit plans— — 21 — 2 — — — 2 
Common stock issued and stock-based compensation expense— — 47 — 24 — — — 24 
Dividends — common stock ($0.50 per share)
— — — — — (151)— — (151)
Dividends — Series C preferred stock ($2,750 per share)
— — — — — (15)— — (15)
Dividends — Series D preferred stock ($3,063 per share)
— — — — — (15)— — (15)
Balance at September 30, 202111 $1,056 568,761 $6 $4,345 $23,846 $(68)$(15,922)$13,263 
For the Nine Months Ended September 30, 2020
Balance at December 31, 20196 $563 566,654 $6 $4,206 $21,290 $(119)$(14,087)$11,859 
Cumulative effect of ASU No. 2016-13 adoption— — — — — (1,902)— — (1,902)
Net income— — — — — 342 — — 342 
Other comprehensive income— — — — — — 212 — 212 
Purchases of treasury stock— — — — — — — (343)(343)
Common stock issued under employee benefit plans— — 163 — 7 — — — 7 
Common stock issued and stock-based compensation expense— — 927 — 22 — — — 22 
Preferred stock issued5 493 — — — — — — 493 
Dividends — common stock ($1.32 per share)
— — — — — (407)— — (407)
Dividends — Series C preferred stock ($5,500 per share)
— — — — — (31)— — (31)
Balance at September 30, 202011 $1,056 567,744 $6 $4,235 $19,292 $93 $(14,430)$10,252 
For the Nine Months Ended September 30, 2021
Balance at December 31, 202011 $1,056 567,898 $6 $4,257 $19,955 $45 $(14,435)$10,884 
Net income— — — — — 4,382 — — 4,382 
Other comprehensive loss — — — — — — (113)— (113)
Purchases of treasury stock— — — — — — — (1,487)(1,487)
Common stock issued under employee benefit plans— — 67 — 7 — — — 7 
Common stock issued and stock-based compensation expense— — 796 — 81 — — — 81 
Dividends — common stock ($1.38 per share)
— — — — — (422)— — (422)
Dividends — Series C preferred stock ($5,500 per share)
— — — — — (31)— — (31)
Dividends — Series D preferred stock ($7,674 per share)
— — — — — (38)— — (38)
Balance at September 30, 202111 $1,056 568,761 $6 $4,345 $23,846 $(68)$(15,922)$13,263 
See Notes to the Condensed Consolidated Financial Statements.
4
DISCOVER FINANCIAL SERVICES
Condensed Consolidated Statements of Cash Flows
 For the Nine Months Ended September 30,
 20212020
(unaudited)
(dollars in millions)
Cash flows provided by operating activities
Net income$4,382 $342 
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses(45)4,603 
Deferred income taxes388 (600)
Depreciation and amortization387 362 
Amortization of deferred revenues(217)(245)
Net unrealized and realized gains on investments and other assets(531)(40)
Other, net227 87 
Changes in assets and liabilities:
(Increase) decrease in other assets(273)212 
Increase (decrease) in accrued expenses and other liabilities359 (158)
Net cash provided by operating activities4,677 4,563 
Cash flows provided by (used for) investing activities
Maturities of other short-term investments2,200 — 
Purchases of other short-term investments— (8,046)
Maturities of available-for-sale investment securities1,709 724 
Purchases of available-for-sale investment securities(9)— 
Maturities of held-to-maturity investment securities63 34 
Purchases of held-to-maturity investment securities(28)(44)
Net principal (disbursed) repaid on loans originated for investment(255)5,316 
Proceeds from the sale of available-for-sale securities5 — 
Proceeds from the sale of other investments— 94 
Purchases of other investments(108)(54)
Purchases of premises and equipment(146)(206)
Net cash provided by (used for) investing activities3,431 (2,182)
Cash flows (used for) provided by financing activities
Proceeds from issuance of securitized debt1,731 — 
Maturities and repayment of securitized debt(3,445)(2,974)
Proceeds from issuance of other long-term borrowings— 494 
Maturities and repayment of other long-term borrowings(922)(1,754)
Proceeds from issuance of common stock7 7 
Purchases of treasury stock(1,487)(343)
Net (decrease) increase in deposits(4,359)5,245 
Proceeds from issuance of preferred stock, net— 493 
Dividends paid on common and preferred stock(474)(424)
Net cash (used for) provided by financing activities(8,949)744 
Net (decrease) increase in cash, cash equivalents and restricted cash(841)3,125 
Cash, cash equivalents and restricted cash, at the beginning of the period13,589 6,964 
Cash, cash equivalents and restricted cash, at the end of the period$12,748 $10,089 
Reconciliation of cash, cash equivalents and restricted cash
Cash and cash equivalents$12,716 $9,513 
Restricted cash32 576 
Cash, cash equivalents and restricted cash, at the end of the period$12,748 $10,089 

See Notes to the Condensed Consolidated Financial Statements.
5
Notes to the Condensed Consolidated Financial Statements
(unaudited)
1.    Background and Basis of Presentation
Description of Business
Discover Financial Services ("DFS" or the "Company") is a digital banking and payment services company. The Company is a bank holding company under the Bank Holding Company Act of 1956 and a financial holding company under the Gramm-Leach-Bliley Act. Therefore, the Company is subject to oversight, regulation and examination by the Board of Governors of the Federal Reserve System (the "Federal Reserve"). The Company provides digital banking products and services and payment services through its subsidiaries. The Company offers credit card loans, private student loans, personal loans, home loans and deposit products to its customers. The Company also operates the Discover Network, the PULSE network ("PULSE") and Diners Club International ("Diners Club"), collectively known as the Discover Global Network. The Discover Network processes transactions for Discover-branded credit and debit cards and provides payment transaction processing and settlement services. PULSE operates an electronic funds transfer network, providing financial institutions issuing debit cards on the PULSE network with access to ATMs domestically and internationally and merchant acceptance throughout the United States for debit card transactions. Diners Club is a global payments network of licensees, which are generally financial institutions, that issue Diners Club branded credit and charge cards and/or provide card acceptance services.
The Company manages its business activities in two segments, Digital Banking and Payment Services, based on the products and services provided. See Note 17: Segment Disclosures for a detailed description of each segment's operations and the allocation conventions used in business segment reporting.
Basis of Presentation
The accompanying condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States ("GAAP") for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete consolidated financial statements. In the opinion of management, the financial statements reflect all adjustments necessary for the fair presentation of results for the interim period. All such adjustments are of a normal, recurring nature. The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect the amounts reported in the condensed consolidated financial statements and related disclosures. These estimates are based on information available as of the date of the condensed consolidated financial statements. The Company believes that the estimates used in the preparation of the condensed consolidated financial statements are reasonable. Actual results could differ from these estimates. These interim condensed consolidated financial statements should be read in conjunction with the Company's 2020 audited consolidated financial statements filed with the Company's annual report on Form 10-K for the year ended December 31, 2020.
2.    Investments
The Company's other short-term investments and investment securities consist of the following (dollars in millions):
September 30,
2021		December 31,
2020
United States Treasury bills(1)
$— $2,200 
Total other short-term investments$— $2,200 
United States Treasury(2) and U.S. GSE(3) securities
$7,580 $9,354 
Residential mortgage-backed securities - Agency(3)
434 560 
Total investment securities$8,014 $9,914 
(1)Includes United States Treasury bills with maturity dates greater than 90 days but less than one year at the time of acquisition.
(2)Includes $56 million and $117 million of United States Treasury securities pledged as swap collateral as of September 30, 2021 and December 31, 2020, respectively.
(3)Consists of securities issued by Fannie Mae, Freddie Mac, Ginnie Mae, or the Federal Home Loan Bank.
6
The amortized cost, gross unrealized gains and losses and fair value of available-for-sale and held-to-maturity investment securities are as follows (dollars in millions):
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
At September 30, 2021
Available-for-Sale Investment Securities(1)
United States Treasury and U.S. GSE securities$7,362 $218 $— $7,580 
Residential mortgage-backed securities - Agency204 7 — 211 
Total available-for-sale investment securities$7,566 $225 $— $7,791 
Held-to-Maturity Investment Securities(2)
Residential mortgage-backed securities - Agency(3)
$223 $5 $(1)$227 
Total held-to-maturity investment securities$223 $5 $(1)$227 
At December 31, 2020
Available-for-Sale Investment Securities(1)
United States Treasury securities$8,987 $367 $— $9,354 
Residential mortgage-backed securities - Agency290 10 — 300 
Total available-for-sale investment securities$9,277 $377 $— $9,654 
Held-to-Maturity Investment Securities(2)
Residential mortgage-backed securities - Agency(3)
$260 $9 $— $269 
Total held-to-maturity investment securities$260 $9 $— $269 
(1)Available-for-sale investment securities are reported at fair value.
(2)Held-to-maturity investment securities are reported at amortized cost.
(3)Amounts represent residential mortgage-backed securities ("RMBS") that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.
The Company invests in United States Treasury obligations and securities issued by government agencies and government-sponsored enterprises of the United States of America ("U.S. GSEs"), which have long histories with no credit losses and are explicitly or implicitly guaranteed by the United States government. Therefore, management has concluded that there is no expectation of non-payment on its investment securities and does not record an allowance for credit losses on these investments.
At September 30, 2021, there were three investment securities with an aggregate fair value of $118 million that had an immaterial aggregate gross unrealized loss for less than 12 months and no securities in an unrealized loss position for more than 12 months. As of December 31, 2020, there were no investment securities with aggregate gross unrealized losses.
During the three and nine months ended September 30, 2021, the Company received $5 million of proceeds from the sale of available-for-sale securities. As a result of the sale, the Company recognized an immaterial gain during the three and nine months ended September 30, 2021. There were no proceeds from sales or recognized gains and losses on available-for-sale securities during the three and nine months ended September 30, 2020. See Note 9: Accumulated Other Comprehensive Income for unrealized gains and losses on available-for-sale securities during the three and nine months ended September 30, 2021 and 2020.
7
Maturities of available-for-sale debt securities and held-to-maturity debt securities are provided in the following table (dollars in millions):
At September 30, 2021One Year
or
Less		After One
Year
Through
Five Years		After Five
Years
Through
Ten Years		After Ten
Years		Total
Available-for-Sale Investment Securities—Amortized Cost
United States Treasury and U.S. GSE securities$2,616 $4,737 $9 $— $7,362 
Residential mortgage-backed securities - Agency(1)
2 21 174 7 204 
Total available-for-sale investment securities$2,618 $4,758 $183 $7 $7,566 
Held-to-Maturity Investment Securities—Amortized Cost
Residential mortgage-backed securities - Agency(1)
$— $— $— $223 $223 
Total held-to-maturity investment securities$— $— $— $223 $223 
Available-for-Sale Investment Securities—Fair Values
United States Treasury and U.S. GSE securities$2,641 $4,931 $8 $— $7,580 
Residential mortgage-backed securities - Agency(1)
2 21 180 8 211 
Total available-for-sale investment securities$2,643 $4,952 $188 $8 $7,791 
Held-to-Maturity Investment Securities—Fair Values
Residential mortgage-backed securities - Agency(1)
$— $— $— $227 $227 
Total held-to-maturity investment securities$— $— $— $227 $227 
(1)Maturities of RMBS are reflective of the contractual maturities of the investment.
Other Investments
As a part of the Company's community reinvestment initiatives, the Company has made equity investments in certain limited partnerships and limited liability companies that finance the construction and rehabilitation of affordable rental housing and stimulate economic development in low- to moderate-income communities. These investments are accounted for using the equity method of accounting and are recorded within other assets. The related commitment for future investments is recorded in accrued expenses and other liabilities within the condensed consolidated statements of financial condition. The portion of each investment's operating results allocable to the Company reduces the carrying value of the investments and is recorded in other expense within the condensed consolidated statements of income. The Company further reduces the carrying value of the investments by recognizing any amounts that are in excess of future net tax benefits in other expense. The Company earns a return primarily through tax credits allocated to the affordable housing projects and the community revitalization projects. The Company does not consolidate these investments as the Company does not have a controlling financial interest in the investee entities. As of September 30, 2021 and December 31, 2020, the Company had outstanding investments in these entities of $366 million and $353 million, respectively, and related contingent liabilities for unconditional and legally binding delayed equity contributions of $64 million and $93 million, respectively. Of the above outstanding equity investments, the Company had $324 million of investments related to affordable housing projects as of September 30, 2021 and December 31, 2020, which had $52 million and $79 million of related contingent liabilities for unconditional and legally binding delayed equity contributions, respectively.
The Company holds non-controlling equity positions in several payment services entities. Most of these investments are not subject to equity method accounting because the Company does not have significant influence over the investee. The common or preferred equity securities that the Company holds typically do not have readily determinable fair values. As a result, the majority of these investments are carried at cost minus impairment, if any. As of September 30, 2021 and December 31, 2020, the carrying value of these investments, which are recorded within other assets on the Company's condensed consolidated statements of financial condition, was $31 million and $35 million, respectively.
The Company also holds non-controlling equity positions in payment service entities that have actively traded stock and therefore have readily determinable fair values. As a result, these investments are carried at fair value based on the quoted share prices. As of September 30, 2021 and December 31, 2020, the carrying value of these investments, which are recorded within other assets on the Company's condensed consolidated statements of financial condition, was $600 million and $8 million, respectively. During the three and nine months ended September 30, 2021, the Company recognized unrealized losses of approximately $167 million and unrealized gains of approximately $562 million, respectively, on the condensed consolidated statements of income related to these investments. The Company recognized no unrealized losses or gains during the three and nine months ended September 30, 2020.
8
3.    Loan Receivables
The Company has two loan portfolio segments: credit card loans and other loans.
The Company's classes of receivables within the two portfolio segments are depicted in the following table (dollars in millions):
September 30,
2021		December 31,
2020
Credit card loans(1)(2)
$70,320 $71,472 
Other loans(3)
Private student loans(4)
10,184 9,954 
Personal loans6,890 7,177 
Other loans2,148 1,846 
Total other loans19,222 18,977 
Total loan receivables89,542 90,449 
Allowance for credit losses(6,861)(8,226)
Net loan receivables$82,681 $82,223 
(1)Amounts include carrying values of $12.9 billion and $16.7 billion underlying investors' interest in trust debt at September 30, 2021 and December 31, 2020, respectively, and $11.6 billion and $10.6 billion in seller's interest at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
(2)Unbilled accrued interest receivable on credit card loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $379 million and $420 million at September 30, 2021 and December 31, 2020, respectively.
(3)Accrued interest receivable on private student, personal and other loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $503 million, $41 million and $6 million, respectively, at September 30, 2021 and $469 million, $49 million and $6 million, respectively, at December 31, 2020.
(4)Amounts include carrying values of $215 million and $250 million in loans pledged as collateral against the notes issued from a private student loan securitization trust at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
9
Credit Quality Indicators
As part of credit risk management activities, on an ongoing basis, the Company reviews information related to the performance of a customer's account with the Company and information from credit bureaus, such as FICO or other credit scores, relating to the customer's broader credit performance. The Company actively monitors key credit quality indicators, including FICO scores and delinquency status, for credit card, private student and personal loans. These indicators are important to understand the overall credit performance of the Company's customers and their ability to repay.
FICO scores are generally obtained at the origination of the account and are refreshed monthly or quarterly thereafter to assist in predicting customer behavior. Historically, the Company has noted that accounts with FICO scores below 660 have larger delinquencies and credit losses than those with higher credit scores.
The following table provides the distribution of the amortized cost basis (excluding accrued interest receivable presented in other assets) by the most recent FICO scores available for the Company's customers for credit card, private student and personal loan receivables (dollars in millions):
Credit Risk Profile by FICO Score
September 30, 2021December 31, 2020
 660 and AboveLess than 660
or No Score		660 and AboveLess than 660
or No Score
$%$%$%$%
Credit card loans(1)
$59,005 84 %$11,315 16 %$58,950 82 %$12,522 18 %
Private student loans by origination year(2)(3)
2021$1,011 94 %$70 6 %
20201,593 97 %54 3 %$1,173 95 %$60 5 %
20191,485 96 %56 4 %1,659 96 %61 4 %
20181,185 95 %58 5 %1,365 96 %61 4 %
2017898 95 %52 5 %1,052 95 %57 5 %
Prior3,521 95 %201 5 %4,219 94 %247 6 %
Total private student loans$9,693 95 %$491 5 %$9,468 95 %$486 5 %
Personal loans by origination year
2021$2,541 99 %$18 1 %
20201,921 98 %37 2 %$2,880 99 %$25 1 %
20191,291 95 %66 5 %2,183 96 %90 4 %
2018550 92 %51 8 %1,018 92 %90 8 %
2017276 88 %36 12 %558 89 %69 11 %
Prior87 84 %16 16 %227 86 %37 14 %
Total personal loans$6,666 97 %$224 3 %$6,866 96 %$311 4 %
(1)Amounts include $881 million and $1.0 billion of revolving line-of-credit arrangements that were converted to term loans as a result of a troubled debt restructuring ("TDR") program as of September 30, 2021 and December 31, 2020, respectively.
(2)A majority of private student loan originations occur in the third quarter and disbursements can span multiple calendar years.
(3)FICO score represents the higher credit score of the cosigner or borrower.
10
Delinquencies are an indicator of credit quality at a point in time. A loan balance is considered delinquent when contractual payments on the loan become 30 days past due.
The amortized cost basis (excluding accrued interest receivable presented in other assets) of delinquent loans in the Company's loan portfolio is shown below for credit card, private student and personal loan receivables (dollars in millions):
September 30, 2021December 31, 2020
30-89 Days
Delinquent		90 or
More Days
Delinquent		Total Past
Due		30-89 Days
Delinquent		90 or
More Days
Delinquent		Total Past
Due
Credit card loans$573 $467 $1,040 $739 $739 $1,478 
Private student loans by origination year(1)
2021$— $— $— 
20204 1 5 $— $— $— 
201911 2 13 3 1 4 
201814 4 18 9 3 12 
201715 5 20 12 4 16 
Prior78 24 102 86 20 106 
Total private student loans$122 $36 $158 $110 $28 $138 
Personal loans by origination year
2021$2 $— $2 
20207 2 9 $5 $2 $7 
201912 5 17 18 9 27 
20188 3 11 15 7 22 
20175 2 7 10 5 15 
Prior2 1 3 5 2 7 
Total personal loans$36 $13 $49 $53 $25 $78 
(1)Private student loans may include a deferment period, during which customers are not required to make payments while enrolled in school at least half time as determined by the school. During a deferment period, these loans do not advance into delinquency.

11
Allowance for Credit Losses
The following tables provide changes in the Company's allowance for credit losses (dollars in millions):
For the Three Months Ended September 30, 2021
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at June 30, 2021$5,409 $828 $745 $44 $7,026 
Additions
Provision for credit losses(1)
178 46 (64)— 160 
Deductions
Charge-offs(495)(23)(38)— (556)
Recoveries206 6 19 — 231 
Net charge-offs(289)(17)(19)— (325)
Balance at September 30, 2021$5,298 $857 $662 $44 $6,861 
For the Three Months Ended September 30, 2020
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at June 30, 2020$6,491 $799 $857 $37 $8,184 
Additions
Provision for credit losses(1)
604 55 49 2 710 
Deductions
Charge-offs(759)(20)(62)(1)(842)
Recoveries155 6 13 — 174 
Net charge-offs(604)(14)(49)(1)(668)
Balance at September 30, 2020$6,491 $840 $857 $38 $8,226 
For the Nine Months Ended September 30, 2021
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at December 31, 2020$6,491 $840 $857 $38 $8,226 
Additions
Provision for credit losses(1)
(18)61 (96)6 (47)
Deductions
Charge-offs(1,778)(63)(150)— (1,991)
Recoveries603 19 51 — 673 
Net charge-offs(1,175)(44)(99)— (1,318)
Balance at September 30, 2021$5,298 $857 $662 $44 $6,861 
For the Nine Months Ended September 30, 2020
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at December 31, 2019(2)
$2,883 $148 $348 $4 $3,383 
Cumulative effect of ASU No. 2016-13 adoption(3)
1,667 505 265 24 2,461 
Balance at January 1, 20204,550 653 613 28 5,844 
Additions
Provision for credit losses(1)
3,916 233 426 11 4,586 
Deductions
Charge-offs(2,480)(62)(224)(1)(2,767)
Recoveries505 16 42 — 563 
Net charge-offs(1,975)(46)(182)(1)(2,204)
Balance at September 30, 2020$6,491 $840 $857 $38 $8,226 
(1)Excludes a $25 million and $40 million reclassification of the liability for expected credit losses on unfunded commitments for the three months ended September 30, 2021 and 2020, respectively, and $2 million and $17 million for the nine months ended September 30, 2021 and 2020, respectively, as the liability is recorded in accrued expenses and other liabilities in the Company's condensed consolidated statements of financial condition.
(2)Prior to the adoption of Accounting Standards Update ("ASU") No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.
(3)Represents the adjustment to the allowance for credit losses due to the adoption of ASU No. 2016-13 on January 1, 2020.
12
The allowance for credit losses was approximately $6.9 billion at September 30, 2021, which reflects a $165 million release from the amount of the allowance for credit losses at June 30, 2021 and a $1.4 billion release from the amount of the allowance for credit losses at December 31, 2020.
The release in the allowance for credit losses between September 30, 2021 and June 30, 2021, was primarily driven by improving macroeconomic forecasts and continued stable credit performance, partially offset by modest loan growth during the period. The modest growth in loan receivables during the three months ended September 30, 2021, was driven by the robust credit card sales trends as coronavirus disease 2019 ("COVID-19") restrictions continue to ease and the United States economy continues to more fully reopen. Additionally, credit card sales from new accounts and seasonality in private student loan originations contributed to an increase in ending outstanding loan receivables. The loan receivables growth was partially offset by elevated payment rates resulting from the several rounds of government stimulus and associated improvement in household cash flows.
The release in the allowance for credit losses between September 30, 2021 and December 31, 2020, was primarily driven by improvements in the macroeconomic forecast and continued stable credit performance. The release was also partially driven by a moderate reduction in loan receivables outstanding during the period. The decrease in outstanding loan receivables, particularly credit card and personal loan receivables, and the stable credit performance, were driven by elevated payment rates resulting from the several rounds of government stimulus and associated improvement in household cash flows. The decrease in outstanding loan receivables was partially offset by the robust credit card sales trends during the period and seasonality in private student loan originations in the third quarter of 2021.
In estimating the allowance at September 30, 2021, the Company used a macroeconomic forecast that projected (i) a peak unemployment rate of 6.1%, decreasing to 5.5% and 4.0% through the end of 2021 and 2022, respectively; and (ii) a 6.4% and 3.5% annualized growth in the real gross domestic product for 2021 and 2022, respectively. Labor market conditions, which historically have been an important determinant of credit loss trends, continue to improve despite the spread of the COVID-19 delta variant. However, the unemployment rate and initial and continuing jobless claims remain moderately elevated relative to pre-pandemic levels. In estimating expected credit losses, the Company considered the uncertainties associated with borrower behavior, payment trends and credit performance subsequent to the expiration of government stimulus programs, such as the Coronavirus Aid, Relief, and Economic Security Act ("CARES Act") and the American Rescue Plan Act of 2021 ("ARPA"), and disaster relief programs, such as foreclosure moratoriums and federal student loan and mortgage payment forbearance. During the third quarter of 2021, several disaster relief programs expired or were rescinded entirely. As the government's response to the pandemic wanes, there is uncertainty regarding the sustainability of the recent credit quality trends in the Company's loan receivables portfolio. Accordingly, the estimation of the allowance for credit losses has required significant management judgment.
Company-initiated loan modification programs include those specifically offered in response to the COVID-19 pandemic as well as existing programs offered to customers experiencing difficulty making their payments. In addition to the Skip-a-Pay (payment deferral) ("SaP") programs, which ended on August 31, 2020, the Company has other modification programs that customers have utilized during the period related to the pandemic. The Company evaluated the accounts using these modifications as a result of the COVID-19 pandemic for potential exclusion from the TDR designation either due to the insignificance of the concession or because they qualified for an exemption pursuant to the CARES Act. The effects of all modifications, including TDRs, loan modifications exempt from the TDR designation pursuant to the CARES Act and SaP programs, are considered as part of the process for determining the allowance for credit losses.
The forecast period the Company deemed reasonable and supportable was 18 months for all periods presented except March 31, 2020, where the forecast period was 12 months due to the uncertainty caused by the rapidly changing economic environment experienced at the onset of the COVID-19 pandemic. The 18-month reasonable and supportable forecast period was deemed appropriate based on the observed economic phase transition from recovery to expansion and the associated stabilization of macroeconomic forecasts. For all periods presented, the Company determined that a reversion period of 12 months was appropriate for similar reasons. Due to the uncertainties associated with borrower behavior resulting from government stimulus and disaster relief programs, the Company applied a weighted reversion method to provide a more reasonable transition to historical losses for all loan products for all periods presented with the following exceptions: at March 31, 2020 and December 31, 2019, the Company applied a straight-line method for all loan products. At June 30, 2020, the Company applied a weighted reversion method for credit card loans and a straight-line method for all other loan products.
The decrease in net charge-offs for credit card and personal loans for the three and nine months ended September 30, 2021, when compared to the same periods in 2020, was primarily due to the impacts of government stimulus and disaster relief programs and to a lesser extent improved collection and recovery strategies. Additionally, the decrease in net charge-
13
offs of personal loans for the three and nine months ended September 30, 2021, were favorably impacted by tighter underwriting standards that were implemented in early 2020. Net charge-offs for private student loans remained relatively flat for the three and nine months ended September 30, 2021, when compared to the same period in 2020, due to the impacts of government stimulus and disaster relief programs.
Net charge-offs of principal are recorded against the allowance for credit losses, as shown in the preceding table. Information regarding net charge-offs of interest and fee revenues on credit card and other loans is as follows (dollars in millions): 
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Interest and fees accrued subsequently charged-off, net of recoveries (recorded as a reduction of interest income)$57 $114 $232 $393 
Fees accrued subsequently charged-off, net of recoveries (recorded as a reduction to other income)$15 $27 $59 $95 
Delinquent and Non-Accruing Loans
The amortized cost basis (excluding accrued interest receivable presented in other assets) of delinquent and non-accruing loans in the Company's loan portfolio is shown below for each class of loan receivables (dollars in millions):
30-89 Days
Delinquent		90 or
More Days
Delinquent		Total Past
Due		90 or
More Days
Delinquent
and
Accruing
Total
Non-accruing(1)
At September 30, 2021
Credit card loans$573 $467 $1,040 $430 $201 
Other loans
Private student loans122 36 158 35 8 
Personal loans36 13 49 12 9 
Other loans5 6 11 2 14 
Total other loans163 55 218 49 31 
Total loan receivables$736 $522 $1,258 $479 $232 
At December 31, 2020
Credit card loans$739 $739 $1,478 $687 $209 
Other loans
Private student loans110 28 138 27 12 
Personal loans53 25 78 23 12 
Other loans8 3 11 — 10 
Total other loans171 56 227 50 34 
Total loan receivables$910 $795 $1,705 $737 $243 
(1)The Company estimates that the gross interest income that would have been recorded under the original terms of non-accruing credit card loans was $6 million and $7 million for the three months ended September 30, 2021 and 2020, respectively, and $21 million and $25 million for the nine months ended September 30, 2021 and 2020, respectively. The Company does not separately track the amount of gross interest income that would have been recorded under the original terms of loans. Instead, the Company estimated this amount based on customers' current balances and most recent interest rates.
Troubled Debt Restructurings
The Company has internal loan modification programs that provide relief to credit card, private student and personal loan borrowers who may be experiencing financial hardship. The Company considers a modified loan in which a concession has been granted to the borrower to be a TDR based on the cumulative length of the concession period and credit quality of the borrower. The Company evaluates new programs to determine which of them meet the definition of a TDR, including modification programs provided to customers for temporary relief due to the economic impacts of the COVID-19 pandemic. The internal loan modification programs include both temporary and permanent programs, which vary by product. External loan modification programs are also available for credit card and personal loans. All loans modified in a temporary modification program, including those specifically created in response to the COVID-19 pandemic, are evaluated for
14
exclusion from the TDR designation either due to the insignificance of the concession or because they qualify for exemption pursuant to the CARES Act. To the extent the loan accounts do not meet the requirements for exclusion, temporary and permanent modifications on credit card and personal loans, as well as temporary modifications on private student loans and certain grants of private student loan forbearance, result in the loans being classified as TDRs. In addition, loans that defaulted from, or successfully completed a loan modification program or forbearance, continue to be classified as TDRs, except as noted below. See the table below that presents the carrying value of loans that experienced a payment default during the period for more information.
For credit card customers, the Company offers both temporary and permanent hardship programs. The temporary hardship programs consist of an interest rate reduction and, in some cases, a reduced minimum payment, both lasting for a period no longer than 12 months. Charging privileges on these accounts are generally suspended while in the program. However, if the customer meets certain criteria, charging privileges may be reinstated following completion of the program. Credit card accounts of borrowers who have previously participated in a temporary interest rate reduction program and have both demonstrated financial stability and had their charging privileges reinstated at a market-based interest rate, are excluded from the balance of TDRs.
The permanent modification program involves closing the account, changing the loan structure to a fixed payment loan with a maturity no longer than 72 months and reducing the interest rate on the loan. The permanent modification program does not typically provide for the forgiveness of unpaid principal but may allow for the reversal of certain unpaid interest or fee assessments. The Company also makes permanent loan modifications for customers who request financial assistance through external sources, such as a consumer credit counseling agency program. These loans typically receive a reduced interest rate, typically continue to be subject to the original minimum payment terms and do not normally include waiver of unpaid principal, interest or fees. These permanent loan modifications remain in the population of TDRs until they are paid off or charged off.
At September 30, 2021 and December 31, 2020, there were $5.3 billion and $5.7 billion, respectively, of private student loans in repayment and $63 million and $117 million, respectively, in forbearance. To assist private student loan borrowers who are experiencing temporary financial difficulties but are willing to resume making payments, the Company may offer hardship forbearance, payment deferral, a temporary payment reduction, a temporary interest rate reduction or extended terms. A modified loan typically meets the definition of a TDR based on the cumulative length of the concession period and a determination of financial distress based on an evaluation of the borrower's credit quality using FICO scores.
For personal loan customers, the Company offers various payment programs, including temporary and permanent programs, in certain situations. The temporary programs normally consist of reducing the minimum payment for no longer than 12 months. Further, the interest rate on the loan is reduced in certain circumstances. The permanent programs involve extending the loan term and, in certain circumstances, reducing the interest rate on the loan. The total term of the loan, including modification, may not exceed nine years. The Company also allows permanent loan modifications for customers who request financial assistance through external sources, similar to the credit card customers discussed above. Payments are modified based on the new terms agreed upon with the credit counseling agency. Personal loans included in temporary and permanent programs are classified as TDRs.
The Company monitors borrower performance after using payment programs or forbearance. The Company believes the programs are useful in assisting customers experiencing financial difficulties and allowing them to make timely payments. In addition to helping customers with their credit needs, these programs are designed to maximize collections and ultimately the Company’s profitability. The Company plans to continue to use payment programs and forbearance to provide relief to customers experiencing temporary financial difficulties and expects to have additional loans classified as TDRs in the future as a result.
To evaluate the primary financial effects that resulted from credit card loans entering into a TDR program during the three and nine months ended September 30, 2021 and 2020, the Company quantified the amount by which interest and fees were reduced during the periods. During the three months ended September 30, 2021 and 2020, the Company forgave approximately $7 million and $13 million, respectively, of interest and fees resulting from accounts entering into a credit card loan TDR program. During the nine months ended September 30, 2021 and 2020, the Company forgave approximately $28 million and $52 million, respectively, of interest and fees resulting from accounts entering into a credit card loan TDR program. For all loan products, interest income on modified loans is recognized based on the modified contractual terms.
Section 4013 of the CARES Act provides certain financial institutions with the option to suspend the application of accounting and reporting guidance for TDRs for a limited period of time for loan modifications made to address the effects of
15
the COVID-19 pandemic. Section 541 of the Omnibus and COVID Relief and Response Act extended the loan modification relief provided by the CARES Act through the earlier of January 1, 2022, or the date that is 60 days after the termination of the presidentially-declared national emergency. The Company has elected to apply the option to suspend the application of accounting guidance for TDRs as provided under Section 4013 of the CARES Act and as subsequently extended. As such, TDR program balances and the number of accounts have been favorably impacted by the exclusion of certain modifications from the TDR designation pursuant to these exemptions and are expected to remain lower than they otherwise would have been.
The following table provides information on loans that entered a TDR program during the period (dollars in millions):
For the Three Months Ended September 30,
20212020
Number of AccountsBalancesNumber of AccountsBalances
Accounts that entered a TDR program during the period
Credit card loans(1)
13,964 $86 20,779 $150 
Private student loans102 $2 118 $2 
Personal loans888 $10 2,505 $33 
For the Nine Months Ended September 30,
20212020
Number of AccountsBalancesNumber of AccountsBalances
Accounts that entered a TDR program during the period
Credit card loans(1)
48,887 $315 130,869 $875 
Private student loans355 $7 1,767 $32 
Personal loans3,102 $38 6,315 $83 
(1)Accounts that entered a credit card TDR program include $72 million and $143 million that were converted from revolving line-of-credit arrangements to term loans during the three months ended September 30, 2021 and 2020, respectively, and $288 million and $529 million for the nine months ended September 30, 2021 and 2020, respectively.
The number and balance of new credit card and personal loan modifications, including the combined total of those identified as TDRs and those exempt from the TDR designation, decreased during the three and nine months ended September 30, 2021, when compared to the same periods in 2020. The decrease in both periods is primarily due to the impacts of several rounds of government stimulus and disaster relief programs, which reduced the need for customers to enroll in a loan modification program. The number and balance of loan modifications across all products, including the combined total of those identified as TDRs and those exempt from the TDR designation, during the three and nine months ended September 30, 2020, were favorably impacted by the utilization of SaP programs in lieu of traditional loan modification programs. Additionally, enrollments in personal loan modification programs were favorably impacted by tighter underwriting standards that were implemented in early 2020.
16
The following table presents the carrying value of loans that experienced a default during the period that had been modified in a TDR during the 15 months preceding the end of each period (dollars in millions):
For the Three Months Ended September 30,
20212020
Number of AccountsAggregated Outstanding Balances Upon DefaultNumber of AccountsAggregated Outstanding Balances Upon Default
TDRs that subsequently defaulted
Credit card loans(1)(2)
3,679 $21 8,983 $52 
Private student loans(3)
83 $2 272 $6 
Personal loans(2)
399 $6 624 $9 
For the Nine Months Ended September 30,
20212020
Number of AccountsAggregated Outstanding Balances Upon DefaultNumber of AccountsAggregated Outstanding Balances Upon Default
TDRs that subsequently defaulted
Credit card loans(1)(2)
14,205 $84 41,285 $235 
Private student loans(3)
214 $5 876 $18 
Personal loans(2)
1,287 $18 2,446 $36 
(1)For credit card loans that default from a temporary program, accounts revert to the pre-modification terms and charging privileges remain suspended in most cases.
(2)For credit card loans and personal loans, a customer defaults from a loan modification program after either two consecutive missed payments or at charge-off, depending on the program. The outstanding balance upon default is generally the loan balance at the end of the month prior to default.
(3)For student loans, a customer defaults from a loan modification after they are 60 or more days delinquent. The outstanding balance upon default is generally the loan balance at the end of the month prior to default.
Of the account balances that defaulted as shown above for the three months ended September 30, 2021 and 2020, approximately 62% and 65%, respectively, and for the nine months ended September 30, 2021 and 2020, approximately 66% and 52%, respectively, of the total balances were charged off at the end of the month in which they defaulted from a TDR program. For accounts that have defaulted from a TDR program and have not been subsequently charged off, the balances are included in the allowance for credit loss analysis discussed above under “— Allowance for Credit Losses.”
4.    Credit Card and Private Student Loan Securitization Activities
The Company's securitizations are accounted for as secured borrowings and the related trusts are treated as consolidated subsidiaries of the Company. For a description of the Company's principles of consolidation with respect to VIEs, see Note 1: Background and Basis of Presentation to the consolidated financial statements in the Company's annual report on Form 10-K for the year ended December 31, 2020.
Credit Card Securitization Activities
The Company accesses the term asset securitization market through the Discover Card Master Trust I ("DCMT") and the Discover Card Execution Note Trust ("DCENT"). Credit card loan receivables are transferred into DCMT and beneficial interests in DCMT are transferred into DCENT. DCENT issues debt securities to investors that are reported in long-term borrowings.
The DCENT debt structure consists of four classes of securities (DiscoverSeries Class A, B, C and D notes), with the most senior class generally receiving a triple-A rating. To issue senior, higher-rated classes of notes, it is necessary to obtain the appropriate amount of credit enhancement, generally through the issuance of junior, lower-rated or more highly subordinated classes of notes. Wholly-owned subsidiaries of Discover Bank hold the subordinated classes of notes. The Company is exposed to credit risk associated with trust receivables as of the balance sheet date through the retention of these subordinated interests. The current expected credit loss ("CECL") on trust receivables is included in the allowance for credit losses estimate.
17
The Company's retained interests in the trust's assets, consisting of investments in DCENT notes held by subsidiaries of Discover Bank, constitute intercompany positions that are eliminated in the preparation of the Company's condensed consolidated statements of financial condition.
Upon transfer of credit card loan receivables to the trust, the receivables and certain cash flows derived from them become restricted for use in meeting obligations to the trust's creditors. Further, the transferred credit card loan receivables are owned by the trust and are not available to the Company's third-party creditors. The trusts have ownership of cash balances, which are reported in restricted cash within the Company's condensed consolidated statements of financial condition. Except for the seller's interest in trust receivables, the Company's interests in trust assets are generally subordinate to the interests of third-party investors in trust debt and, as such, may not be realized by the Company if needed to absorb deficiencies in cash flows that are allocated to those investors. Apart from the restricted assets related to securitization activities, the investors and the securitization trusts have no recourse to the Company's other assets or the Company's general credit for a shortage in cash flows.
The carrying values of these restricted assets, which are presented on the Company's condensed consolidated statements of financial condition as relating to securitization activities, are shown in the following table (dollars in millions):
September 30,
2021		December 31,
2020
Restricted cash$23 $16 
Investors' interests held by third-party investors8,925 10,600 
Investors' interests held by wholly-owned subsidiaries of Discover Bank3,971 6,121 
Seller's interest11,640 10,575 
Loan receivables(1)
24,536 27,296 
Allowance for credit losses allocated to securitized loan receivables(1)
(1,436)(1,936)
Net loan receivables23,100 25,360 
Other3 3 
Carrying value of assets of consolidated variable interest entities$23,126 $25,379 
(1)The Company maintains its allowance for credit losses at an amount equal to lifetime expected credit losses associated with all loan receivables, which includes all loan receivables in the trusts. Therefore, the credit risk associated with the transferred receivables is fully reflected on the Company's statements of financial condition in accordance with GAAP.
The debt securities issued by the consolidated trusts are subject to credit, payment and interest rate risks on the transferred credit card loan receivables. To protect investors in the securities, certain features or triggering events will cause an early amortization of the debt securities, including triggers related to the impact of the performance of the trust receivables on the availability and adequacy of cash flows to meet contractual requirements. As of September 30, 2021, no economic or other early amortization events have occurred.
The Company continues to own and service the accounts that generate the loan receivables held by the trusts. Discover Bank receives servicing fees from the trusts based on a percentage of the monthly investor principal balance outstanding. Although the fee income to Discover Bank offsets the fee expense to the trusts and thus is eliminated in consolidation, failure to service the transferred loan receivables in accordance with contractual requirements could lead to a termination of the servicing rights and the loss of future servicing income, net of related expenses.
Private Student Loan Securitization Activities
Private student loan trust receivables are reported in loan receivables and the related debt issued by the trust is reported in long-term borrowings. The trust assets are restricted from being sold or pledged as collateral for other borrowings and the cash flows from these restricted assets may be used only to pay obligations of the trusts. Except for the trust's restricted assets, the trust and investors have no recourse to the Company's other assets or the Company's general credit for a shortage in cash flows.
Principal payments on the long-term secured borrowings are made as cash is collected on the underlying loans that are collateral on the secured borrowings. The Company does not have access to cash collected by the securitization trust until cash is released in accordance with the trust indenture agreement. Similar to the credit card securitizations, the Company continues to service the private student loan receivables held by the trust and receives servicing fees from the trust based on a percentage of the principal balance outstanding. Although the servicing fee income offsets the fee expense related to the trust
18
and thus is eliminated in consolidation, failure to service the transferred loan receivables in accordance with contractual requirements could lead to a termination of the servicing rights and the loss of future servicing income, net of related expenses.
Under terms of the trust arrangement, the Company has the option, but not the obligation, to provide financial support to the trust, but has never provided such support. A substantial portion of the credit risk associated with the securitized loans has been transferred to a third party under an indemnification arrangement.
The carrying values of these restricted assets, which are presented on the Company's condensed consolidated statements of financial condition as relating to securitization activities, are shown in the following table (dollars in millions): 
 September 30,
2021		December 31,
2020
Restricted cash$9 $9 
Private student loan receivables215 250 
Carrying value of assets of consolidated variable interest entities$224 $259 
5.    Intangible Assets
In the second quarter of 2020, the Company conducted an interim impairment test on its non-amortizable intangible assets, both the Diners Club trade names and international transaction processing rights, due to changes in the international travel and entertainment businesses and a declining revenue outlook for the foreseeable future resulting from the COVID-19 pandemic. The valuation methodology used to value the trade names and international transaction processing rights was based on a discounted cash flow method, consistent with the methods used for annual impairment testing. As a result of this analysis, the Company determined that the trade names and international transaction processing rights were impaired and recognized charges, in the second quarter of 2020, in its Payment Services segment of $36 million and $23 million, respectively. The impairments were recorded in other expense.
In the second quarter of 2021, global travel and entertainment spending continued to trend lower than pre-pandemic levels. As a result, the Company re-evaluated that impact on the value of the Diners Club trade names by conducting an interim impairment test on the asset in conjunction with the preparation of the financial statements. The valuation methodology used to value the trade names was based on a discounted cash flow method, consistent with the methods used for annual impairment testing. As a result of this analysis, the Company determined that the trade names were fully impaired and recognized a charge, in the second quarter of 2021, in its Payment Services segment of $92 million. The impairment was recorded in other expense.
At September 30, 2021, the trade names and the international transaction processing rights have no remaining net book value.
19
6.    Deposits
The Company offers its deposit products to customers through two channels: (i) through direct marketing, internet origination and affinity relationships ("direct-to-consumer deposits"); and (ii) indirectly through contractual arrangements with securities brokerage firms ("brokered deposits"). Direct-to-consumer deposits include online savings accounts, certificates of deposit, money market accounts, IRA savings accounts, IRA certificates of deposit and checking/debit accounts. Brokered deposits include certificates of deposit and sweep accounts.
The following table provides a summary of interest-bearing deposit accounts (dollars in millions):
September 30,
2021		December 31,
2020
Certificates of deposit in amounts less than $100,000$14,592 $19,105 
Certificates of deposit in amounts $100,000 or greater(1)
7,239 9,164 
Savings deposits, including money market deposit accounts49,295 47,426 
Total interest-bearing deposits$71,126 $75,695 
(1)Includes $2.0 billion and $2.6 billion in certificates of deposit equal to or greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of September 30, 2021 and December 31, 2020, respectively.
The following table summarizes certificates of deposit in amounts of $100,000 or greater by contractual maturity (dollars in millions):
September 30,
2021
Three months or less$1,458 
Over three months through six months1,640 
Over six months through twelve months2,711 
Over twelve months1,430 
Total$7,239 
The following table summarizes certificates of deposit maturing over the remainder of this year, over each of the next four years and thereafter (dollars in millions):
September 30,
2021
2021$4,171 
202211,133 
20232,663 
20241,451 
2025870 
Thereafter1,543 
Total$21,831 

20
7.    Long-Term Borrowings
Long-term borrowings consist of borrowings having original maturities of one year or more. The following table provides a summary of the Company's long-term borrowings and weighted-average interest rates on outstanding balances (dollars in millions):
September 30, 2021December 31, 2020
MaturityInterest
Rate		Weighted-Average Interest RateOutstanding AmountOutstanding Amount
Securitized Debt
Fixed-rate asset-backed securities(1)
2022-2026
0.58% - 3.04%
2.01%$5,607 $6,041 
Floating-rate asset-backed securities(2)
2022-2024
0.41% - 0.68%
0.54%3,347 4,669 
Total Discover Card Master Trust I and Discover Card Execution Note Trust8,954 10,710 
Floating-rate asset-backed security(3)(4)
2031
4.25%
4.25%110 130 
Total private student loan securitization trust110 130 
Total long-term borrowings - owed to securitization investors9,064 10,840 
Discover Financial Services (Parent Company)
Fixed-rate senior notes2022-2027
3.75% - 5.20%
4.16%3,370 3,337 
Fixed-rate retail notes2022-2031
2.85% - 4.40%
3.75%166 336 
Discover Bank
Fixed-rate senior bank notes(1)
2023-2030
2.45% - 4.65%
3.63%5,406 6,213 
Fixed-rate subordinated bank notes(1)
2028
4.68%
4.68%510 515 
Total long-term borrowings$18,516 $21,241 
(1)The Company uses interest rate swaps to hedge portions of these long-term borrowings against changes in fair value attributable to changes in the London Interbank Offered Rate ("LIBOR") or Overnight Index Swap ("OIS") Rate. The use of these interest rate swaps impacts the carrying value of the debt. See Note 16: Derivatives and Hedging Activities.
(2)DCENT floating-rate asset-backed securities include issuances with the following interest rate terms: 1-month LIBOR + 33 to 60 basis points as of September 30, 2021.
(3)The private student loan securitization trust floating-rate asset-backed security includes an issuance with the following interest rate term: Prime rate + 100 basis points as of September 30, 2021.
(4)Repayment of this debt depends on the timing of principal and interest payments on the underlying private student loans. The date shown represents the final maturity date.
The following table summarizes long-term borrowings maturing over the remainder of this year, over each of the next four years and thereafter (dollars in millions):
September 30, 2021
2021$— 
20225,188 
20233,324 
20243,738 
2025529 
Thereafter5,737 
Total$18,516 
The Company has access to committed borrowing capacity through private securitizations to support the funding of its credit card loan receivables. As of September 30, 2021, the total commitment of secured credit facilities through private providers was $4.0 billion, none of which was drawn as of September 30, 2021. Access to the unused portions of the secured credit facilities is subject to the terms of the agreements with each of the providers. The secured credit facilities have various expirations in 2023. Borrowings outstanding under each facility bear interest at a margin above LIBOR or the asset-backed commercial paper costs of each provider. The terms of each agreement provide for a commitment fee to be paid on the unused capacity and include various affirmative and negative covenants, including performance metrics and legal requirements similar to those required to issue any term securitization transaction.
21
8.    Preferred Stock
The table below presents a summary of the Company's non-cumulative perpetual preferred stock that is outstanding at September 30, 2021 (dollars in millions, except per depositary share amounts):
SeriesDescriptionInitial Issuance Date
Liquidation Preference and Redemption Price per Depositary Share(1)
Per Annum Dividend Rate in effect at September 30, 2021
Total Depositary Shares Authorized, Issued and OutstandingCarrying Value
September 30, 2021December 31, 2020September 30, 2021December 31, 2020
C(2)(3)(4)
Fixed-to-Floating Rate10/31/2017$1,000 5.500 %570,000 570,000 $563 $563 
D(2)(5)(6)
Fixed-Rate Reset6/22/2020$1,000 6.125 %500,000 500,000 493 493 
Total Preferred Stock1,070,000 1,070,000 $1,056 $1,056 
(1)Redeemable at the redemption price plus declared and unpaid dividends.
(2)Issued as depositary shares, each representing 1/100th interest in a share of the corresponding series of preferred stock. Each preferred share has a par value of $0.01.
(3)Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part on any dividend payment date on or after October 30, 2027, or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series C preferred stock).
(4)Any dividends declared are payable semi-annually in arrears at a rate of 5.50% per annum until October 30, 2027. Thereafter, dividends declared will be payable quarterly in arrears at a floating rate equal to 3-month LIBOR plus a spread of 3.076% per annum.
(5)Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part during the three-month period prior to, and including, each reset date (as defined in the certificate of designations for the Series D preferred stock) or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series D Preferred Stock).
(6)Any dividends declared are payable semi-annually in arrears at a rate of 6.125% per annum until September 23, 2025, after which the dividend rate will reset every five years to a fixed annual rate equal to the 5-year Treasury plus a spread of 5.783%.
9.    Accumulated Other Comprehensive Income
Changes in each component of accumulated other comprehensive income ("AOCI") were as follows (dollars in millions):
Unrealized Gains on Available-for-Sale Investment Securities, Net of TaxLosses on Cash Flow Hedges, Net of TaxLosses on Pension Plan, Net of TaxAOCI
For the Three Months Ended September 30, 2021
Balance at June 30, 2021$198 $(10)$(227)$(39)
Net change(29)— — (29)
Balance at September 30, 2021$169 $(10)$(227)$(68)
For the Three Months Ended September 30, 2020
Balance at June 30, 2020$352 $(16)$(214)$122 
Net change(32)3 — (29)
Balance at September 30, 2020$320 $(13)$(214)$93 
For the Nine Months Ended September 30, 2021
Balance at December 31, 2020$284 $(12)$(227)$45 
Net change(115)2 — (113)
Balance at September 30, 2021$169 $(10)$(227)$(68)
For the Nine Months Ended September 30, 2020
Balance at December 31, 2019$112 $(17)$(214)$(119)
Net change208 4 — 212 
Balance at September 30, 2020$320 $(13)$(214)$93 
22
The following table presents each component of other comprehensive income ("OCI") before reclassifications and amounts reclassified from AOCI for each component of OCI before- and after-tax (dollars in millions):
Before TaxTax Benefit (Expense)Net of Tax
For the Three Months Ended September 30, 2021
Available-for-Sale Investment Securities
Net unrealized holding losses arising during the period$(38)$9 $(29)
Net change$(38)$9 $(29)
Cash Flow Hedges
Net unrealized gains arising during the period$— $1 $1 
Amounts reclassified from AOCI— (1)(1)
Net change$— $— $— 
For the Three Months Ended September 30, 2020
Available-for-Sale Investment Securities
Net unrealized holding losses arising during the period$(42)$10 $(32)
Net change$(42)$10 $(32)
Cash Flow Hedges
Amounts reclassified from AOCI$4 $(1)$3 
Net change$4 $(1)$3 
For the Nine Months Ended September 30, 2021
Available-for-Sale Investment Securities
Net unrealized holding losses arising during the period$(152)$37 $(115)
Net change$(152)$37 $(115)
Cash Flow Hedges
Net unrealized gains arising during the period$— $1 $1 
Amounts reclassified from AOCI2 (1)1 
Net change$2 $— $2 
For the Nine Months Ended September 30, 2020
Available-for-Sale Investment Securities
Net unrealized holding gains arising during the period$275 $(67)$208 
Net change$275 $(67)$208 
Cash Flow Hedges
Net unrealized losses arising during the period$(7)$3 $(4)
Amounts reclassified from AOCI11 (3)8 
Net change$4 $— $4 
23
10.    Income Taxes
The following table presents the calculation of the Company's effective income tax rate (dollars in millions):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Income before income taxes$1,402 $959 $5,703 $420 
Income tax expense$311 $188 $1,321 $78 
Effective income tax rate22.2 %19.6 %23.2 %18.6 %
Income tax expense increased $123 million and $1.2 billion for the three and nine months ended September 30, 2021, respectively, as compared to the same periods in 2020. The increase in income tax expense was primarily driven by an increase in pretax income. The effective tax rate increased for the three and nine months ended September 30, 2021, respectively, as compared to the same periods in 2020, primarily due to tax credits having a lower rate benefit on higher pretax income.
The Company is subject to examination by the Internal Revenue Service ("IRS") and tax authorities in various state, local and foreign tax jurisdictions. The IRS is examining the Company's 2018 federal income tax filings. The Company regularly assesses the likelihood of additional assessments or settlements in each of the taxing jurisdictions. At this time, the potential change in unrecognized tax benefits is expected to be immaterial over the next 12 months. The Company believes that its reserves are sufficient to cover any tax, penalties and interest that would result from such examinations.
11.    Earnings Per Share
The following table presents the calculation of basic and diluted earnings per share ("EPS") (dollars and shares in millions, except per share amounts):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Numerator
Net income$1,091 $771 $4,382 $342 
Preferred stock dividends(30)(15)(69)(31)
Net income available to common stockholders1,061 756 4,313 311 
Income allocated to participating securities(6)(5)(24)(2)
Net income allocated to common stockholders$1,055 $751 $4,289 $309 
Denominator
Weighted-average shares of common stock outstanding298 306 303 307 
Effect of dilutive common stock equivalents— — — — 
Weighted-average shares of common stock outstanding and common stock equivalents298 306 303 307 
Basic earnings per common share$3.54 $2.45 $14.17 $1.00 
Diluted earnings per common share$3.54 $2.45 $14.16 $1.00 
Anti-dilutive securities were not material and had no impact on the computation of diluted EPS for the three or nine months ended September 30, 2021 and 2020.
24
12.     Capital Adequacy
DFS is subject to the capital adequacy guidelines of the Federal Reserve. Discover Bank, the Company's banking subsidiary, is subject to various regulatory capital requirements as administered by the FDIC. Failure to meet minimum capital requirements can result in the initiation of certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could limit the Company's business activities and have a direct material effect on the financial condition and operating results of DFS and Discover Bank. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, DFS and Discover Bank must meet specific risk-based capital requirements and leverage ratios that involve quantitative measures of assets, liabilities and certain off-balance sheet items, as calculated under regulatory guidelines. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.
DFS and Discover Bank are subject to regulatory and capital rules issued by the Federal Reserve and FDIC, respectively, under the Basel Committee's December 2010 framework ("Basel III rules"). Under the Basel III rules, DFS and Discover Bank are classified as "standardized approach" entities. Standardized approach entities are defined as United States banking organizations with consolidated total assets over $50 billion but not exceeding $250 billion and consolidated total on-balance sheet foreign exposures less than $10 billion.
On March 27, 2020, federal bank regulatory agencies announced an interim and now final rule that allows banks that have implemented the CECL accounting model to delay the estimated impact of CECL on regulatory capital for two years, followed by a three-year transition period. For purposes of calculating regulatory capital, the Company has elected to defer recognition of the estimated impact of CECL on regulatory capital for two years in accordance with the final rule; after that period of deferral, the estimated impact of CECL on regulatory capital will be phased in over three years beginning in 2022. Accordingly, the Company's Common Equity Tier 1 ("CET1") capital ratios in 2020 and 2021 are higher than they otherwise would have been.
As of September 30, 2021 and December 31, 2020, DFS and Discover Bank met all Basel III minimum capital ratio requirements to which they were subject. DFS and Discover Bank also met the requirements to be considered "well-capitalized" under Regulation Y and prompt corrective action rules, respectively. There have been no conditions or events that management believes have changed DFS' or Discover Bank's category. To be categorized as "well-capitalized," DFS and Discover Bank must maintain minimum capital ratios outlined in the table below.
25
The following table shows the actual capital amounts and ratios of DFS and Discover Bank and comparisons of each to the regulatory minimum and "well-capitalized" requirements (dollars in millions):
 ActualMinimum Capital
Requirements		Capital Requirements
To Be Classified as
Well-Capitalized
 Amount
Ratio(1)
AmountRatio
Amount(2)
Ratio(2)
September 30, 2021
Total capital (to risk-weighted assets)
Discover Financial Services$16,924 18.5 %$7,309 
≥8.0%
$9,136 
≥10.0%
Discover Bank$15,905 17.7 %$7,186 
≥8.0%
$8,982 
≥10.0%
Tier 1 capital (to risk-weighted assets)
Discover Financial Services$15,235 16.7 %$5,482 
≥6.0%
$5,482 
≥6.0%
Discover Bank$13,935 15.5 %$5,389 
≥6.0%
$7,186 
≥8.0%
Tier 1 capital (to average assets)
Discover Financial Services$15,235 13.8 %$4,424 
≥4.0%
N/AN/A
Discover Bank$13,935 12.8 %$4,353 
≥4.0%
$5,441 
≥5.0%
Common Equity Tier 1 (to risk-weighted assets)
Discover Financial Services$14,179 15.5 %$4,111 
≥4.5%
N/AN/A
Discover Bank$13,935 15.5 %$4,042 
≥4.5%
$5,839 
≥6.5%
December 31, 2020
Total capital (to risk-weighted assets)
Discover Financial Services$14,711 16.1 %$7,298 
≥8.0%
$9,123 
≥10.0%
Discover Bank$14,507 16.1 %$7,214 
≥8.0%
$9,018 
≥10.0%
Tier 1 capital (to risk-weighted assets)
Discover Financial Services$13,006 14.3 %$5,474 
≥6.0%
$5,474 
≥6.0%
Discover Bank$12,415 13.8 %$5,411 
≥6.0%
$7,214 
≥8.0%
Tier 1 capital (to average assets)
Discover Financial Services$13,006 10.9 %$4,757 
≥4.0%
N/AN/A
Discover Bank$12,415 10.5 %$4,709 
≥4.0%
$5,886 
≥5.0%
Common Equity Tier 1 (to risk-weighted assets)
Discover Financial Services$11,950 13.1 %$4,105 
≥4.5%
N/AN/A
Discover Bank$12,415 13.8 %$4,058 
≥4.5%
$5,862 
≥6.5%
    
(1)Capital ratios are calculated based on the Basel III standardized approach rules, subject to applicable transition provisions, including CECL transition provisions.
(2)The Basel III rules do not establish well-capitalized thresholds for these measures for bank holding companies. Existing well-capitalized thresholds established in the Federal Reserve's Regulation Y have been included where available.
13.    Commitments, Contingencies and Guarantees
In the normal course of business, the Company enters into a number of off-balance sheet commitments, transactions and obligations under guarantee arrangements that expose the Company to varying degrees of risk. The Company's commitments, contingencies and guarantee relationships are described below.
Commitments
Unused Credit Arrangements
At September 30, 2021, the Company had unused credit arrangements for loans of approximately $220.1 billion. Such arrangements arise primarily from agreements with customers for unused lines of credit on certain credit cards and certain other loan products, provided there is no violation of conditions in the related agreements. The Company can terminate substantially all of these arrangements at any time and therefore the arrangements do not necessarily represent future cash requirements. The arrangements are periodically reviewed based on account usage, customer creditworthiness and loan qualification. As the Company’s credit card loans are unconditionally cancellable, no liability for expected credit losses is required for unused lines of credit. For all other loans, the Company records a liability for expected credit losses for unfunded
26
commitments, which is presented as part of accrued expenses and other liabilities in the consolidated statements of financial condition.
Contingencies
See Note 14: Litigation and Regulatory Matters for a description of potential liability arising from pending litigation or regulatory proceedings involving the Company.
Guarantees
The Company has obligations under certain guarantee arrangements, including contracts, indemnification agreements and representations and warranties, which contingently require the Company to make payments to the guaranteed party based on changes in an underlying asset, liability or equity security of a guaranteed party, rate or index. Also included as guarantees are contracts that contingently require the Company to make payments to a guaranteed party based on another entity's failure to perform under an agreement. The Company's use of guarantees is disclosed below by type of guarantee.
Securitizations Representations and Warranties
As part of the Company's financing activities, the Company provides representations and warranties that certain assets pledged as collateral in secured borrowing arrangements conform to specified guidelines. The Company performs due diligence intended to ensure that asset guideline qualifications are met. If the assets pledged as collateral do not meet certain conforming guidelines, the Company might be required to replace, repurchase or sell such assets. For example, in its credit card securitization activities, the Company would replace nonconforming receivables by allocating excess seller's interest or from additional transfers from the unrestricted pool of receivables. If the Company could not add enough receivables to satisfy the requirement, an early amortization (or repayment) of investors' interests would be triggered. In its private student loan securitizations, the Company would generally repurchase the loans from the trust at the outstanding principal amount plus interest.
The maximum potential amount of future payments the Company could be required to make would be equal to the current outstanding balances of third-party investor interests in credit card asset-backed securities and the principal amount of any private student loan secured borrowings, plus any unpaid interest for the corresponding secured borrowings. The Company has recorded substantially all of the maximum potential amount of future payments in long-term borrowings on the Company's condensed consolidated statements of financial condition. The Company has not recorded any incremental contingent liability associated with its secured borrowing representations and warranties. Management believes that the probability of having to replace, repurchase or sell assets pledged as collateral under secured borrowing arrangements, including an early amortization event, is low.
Counterparty Settlement Guarantees
Diners Club and DFS Services LLC (on behalf of PULSE) have various counterparty exposures, which are listed below:
•Merchant Guarantee. Diners Club has entered into contractual relationships with certain international merchants, which generally include travel-related businesses, for the benefit of all Diners Club licensees. The licensees hold the primary liability to settle the transactions of their customers with these merchants. However, Diners Club retains a counterparty exposure if a licensee fails to meet its financial payment obligation to one of these merchants.
•ATM Guarantee. PULSE entered into contractual relationships with certain international ATM acquirers in which DFS Services LLC retains counterparty exposure if an issuer fails to fulfill its settlement obligation.
•Global Network Alliance Guarantee. Discover Network, Diners Club and PULSE have entered into contractual relationships with certain international payment networks in which DFS Services LLC retains the counterparty exposure if a network fails to fulfill its settlement obligation.
The maximum potential amount of future payments related to such contingent obligations depends on the transaction volume processed between the time a potential counterparty defaults on its settlement and the time the Company disables the settlement of any further transactions for the defaulting party. The Company has some contractual remedies to offset these counterparty settlement exposures (such as letters of credit or pledged deposits). However, there is no limitation on the maximum amount the Company may be liable to pay.
27
The actual amount of the potential exposure cannot be quantified as the Company cannot determine whether particular counterparties will fail to meet their settlement obligations. If all licensees and/or issuers were to become unable to settle their transactions, the Company estimates its maximum potential counterparty exposures to these settlement guarantees would be approximately $80 million as of September 30, 2021.
The Company believes that the estimated amounts of maximum potential future payments are not representative of the Company's actual potential loss exposure given Diners Club's and PULSE's insignificant historical losses from these counterparty exposures. As of September 30, 2021, the Company had not recorded any contingent liability in the condensed consolidated financial statements for these counterparty exposures. Management believes that the probability of any payments under these arrangements is low.
Discover Network Merchant Chargeback Guarantees
The Company operates the Discover Network, issues payment cards and permits third parties to issue payment cards. The Company is contingently liable for certain transactions processed on the Discover Network in the event of a dispute between the payment card customer and a merchant. The contingent liability arises if the disputed transaction involves a merchant or merchant acquirer with whom the Discover Network has a direct relationship. If a dispute is resolved in the customer's favor, the Discover Network will credit or refund the disputed amount to the Discover Network card issuer, which in turn credits its customer's account. The Discover Network will then charge back the disputed amount of the payment card transaction to the merchant or merchant acquirer, where permitted by the applicable agreement, to seek recovery of amounts already paid to the merchant for payment card transactions. If the Discover Network is unable to collect the amount subject to dispute from the merchant or merchant acquirer (e.g., in the event of merchant default or dissolution or after expiration of the period for chargebacks in the applicable agreement), the Discover Network will bear the loss for the amount credited or refunded to the customer. In most instances, a loss by the Discover Network is unlikely to arise in connection with payments on card transactions because most products or services are delivered when purchased and merchants issue credits on returned items in a timely fashion, thus minimizing the likelihood of cardholder disputes with respect to amounts paid by the Discover Network. However, where the product or service is not scheduled to be provided to the customer until a later date following the purchase, the likelihood of a contingent payment obligation by the Discover Network increases. Losses related to merchant chargebacks were not material for the three and nine months ended September 30, 2021 and 2020.
The maximum potential amount of obligations of the Discover Network arising from such contingent obligations is estimated to be the portion of the total Discover Network transaction volume processed to date for which timely and valid disputes may be raised under applicable law and relevant issuer and customer agreements. There is no limitation on the maximum amount the Company may be liable to pay to issuers. However, the Company believes that such amount is not representative of the Company's actual potential loss exposure based on the Company's historical experience. The actual amount of the potential exposure cannot be quantified as the Company cannot determine whether the current or cumulative transaction volumes may include or result in disputed transactions.
The following table summarizes certain information regarding merchant chargeback guarantees (dollars in millions):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Aggregate sales transaction volume(1)
$58,107 $46,128 $160,717 $125,214 
(1)Represents transactions processed on the Discover Network for which a potential liability exists that, in aggregate, can differ from credit card sales volume.
The Company did not record any material contingent liability in the condensed consolidated financial statements for merchant chargeback guarantees as of September 30, 2021 or December 31, 2020.The Company mitigates the risk of potential loss exposure by withholding settlement from merchants, obtaining third-party guarantees, or obtaining escrow deposits or letters of credit from certain merchant acquirers or merchants that are considered a higher risk due to various factors such as time delays in the delivery of products or services. As of September 30, 2021 and December 31, 2020, the Company had escrow deposits and settlement withholdings of $15 million and $16 million, respectively, which are recorded in interest-bearing deposit accounts and accrued expenses and other liabilities on the Company's condensed consolidated statements of financial condition.
28
14.    Litigation and Regulatory Matters
In the normal course of business, from time to time, the Company has been named as a defendant in various legal actions, including arbitrations, class actions and other litigation, arising in connection with its activities. Certain of the actual or threatened legal actions include claims for substantial compensatory and/or punitive damages or claims for indeterminate amounts of damages. The litigation process is not predictable and can lead to unexpected results. The Company contests liability and/or the amount of damages as appropriate in each pending matter.
The Company has historically offered its customers an arbitration clause in its customer agreements. The arbitration clause allows the Company and its customers to quickly and economically resolve disputes. Additionally, the arbitration clause has in some instances limited the costs of, and the Company's exposure to, litigation. Future legal and regulatory challenges and prohibitions may cause the Company to discontinue its offering and use of such clauses. From time to time, the Company is involved in legal actions challenging its arbitration clause. Bills may be periodically introduced in Congress to directly or indirectly prohibit the use of pre-dispute arbitration clauses.
The Company is also involved, from time to time, in other reviews, investigations and proceedings (both formal and informal) by governmental agencies regarding the Company's business including, among other matters, consumer regulatory, accounting, tax and other operational matters. The investigations and proceedings may result in significant adverse judgments, settlements, fines, penalties, injunctions, decreases in regulatory ratings, customer restitution or other relief. These outcomes could materially impact the Company's condensed consolidated financial statements, increase its cost of operations, or limit the Company's ability to execute its business strategies and engage in certain business activities. Certain subsidiaries of the Company are subject to a consent order with the Consumer Financial Protection Bureau ("CFPB") regarding certain private student loan servicing practices, as described below. Pursuant to powers granted under federal banking laws, regulatory agencies have broad and sweeping discretion and may assess civil money penalties, require changes to certain business practices or require customer restitution at any time.
In accordance with applicable accounting guidance, the Company establishes an accrued liability for legal and regulatory matters when those matters present loss contingencies that are both probable and estimable. Litigation and regulatory settlement-related expenses were $51 million and $54 million for the three and nine months ended September 30, 2021, respectively. Litigation and regulatory settlement-related expenses were immaterial for the three and nine months ended September 30, 2020.
There may be an exposure to loss in excess of any amounts accrued. The Company believes the estimate of the aggregate range of reasonably possible losses (meaning the likelihood of losses is more than remote but less than likely), in excess of the amounts that the Company has accrued for legal and regulatory proceedings, is up to $250 million as of September 30, 2021. This estimated range of reasonably possible losses is based on currently available information for those proceedings in which the Company is involved and considers the Company's best estimate of such losses for those matters for which an estimate can be made. It does not represent the Company's maximum potential loss exposure. Various aspects of the proceedings underlying the estimated range will change from time to time and actual results may vary significantly from the estimate.
The Company's estimated range noted above involves significant judgment, given the varying stages of the proceedings, the existence of numerous yet to be resolved issues, the breadth of the claims (often spanning multiple years and, in some cases, a wide range of business activities), unspecified damages and/or the novelty of the legal issues presented. The outcome of pending matters could adversely affect the Company's reputation and be material to the Company's condensed consolidated financial condition, operating results and cash flows for a particular future period, depending on, among other things, the level of the Company's income for such period.
In July 2015, the Company announced that its subsidiaries, Discover Bank, The Student Loan Corporation and Discover Products Inc. (the "Discover Subsidiaries"), agreed to a consent order with the CFPB with respect to certain private student loan servicing practices (the “2015 Order”). The 2015 Order expired in July 2020. On December 22, 2020, the Discover Subsidiaries agreed to a consent order (the “2020 Order”) with the CFPB resolving the agency’s investigation into Discover Bank’s compliance with the 2015 Order. In connection with the 2020 Order, Discover is required to implement a redress and compliance plan and must pay at least $10 million in consumer redress to consumers who may have been harmed and paid a $25 million civil money penalty to the CFPB.
On March 8, 2016, a class-action lawsuit was filed against the Company, other credit card networks, other issuing banks and EMVCo in the United States District Court for the Northern District of California (B&R Supermarket, Inc., d/b/a
29
Milam's Market, et al. v. Visa, Inc. et al.) alleging a conspiracy by defendants to shift fraud liability to merchants with the migration to the EMV security standard and chip technology. The plaintiffs assert joint and several liability among the defendants and seek unspecified damages, including treble damages, attorneys' fees, costs and injunctive relief. In May 2017, the Court entered an order transferring the entire action to a federal court in New York that is presiding over certain related claims that are pending in the actions consolidated as MDL 1720. On August 28, 2020, the Court granted the plaintiffs' Motion to Certify a Class. The defendants appealed the ruling, which was denied on January 20, 2021. The Company filed a Motion to Compel Arbitration, on which briefing closed in March 2021. On September 27, 2021, the court ruled the motion was premature and stated it would not issue a ruling until after the issuance of class notices. The court set the deadline for expert discovery on February 22, 2022. The Company is not in a position at this time to assess the likely outcome or its exposure, if any, with respect to this matter. However, the Company will seek to defend itself vigorously against all claims asserted by the plaintiffs.
15.    Fair Value Measurements
Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Accounting Standards Codification ("ASC") Topic 820, Fair Value Measurement, provides a three-level hierarchy for classifying fair value measurements of financial instruments based on whether the inputs to the valuation techniques used are observable or unobservable. It also requires certain disclosures about those measurements. The three-level valuation hierarchy is as follows:
•Level 1: Fair values determined by Level 1 inputs are defined as those that utilize quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company has the ability to access.
•Level 2: Fair values determined by Level 2 inputs are those that utilize inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. Level 2 inputs include quoted prices for similar assets and liabilities in active or inactive markets, quoted prices for the identical assets in an inactive market and inputs other than quoted prices that are observable for the asset or liability, such as interest rates and yield curves that are observable at commonly quoted intervals. The Company evaluates factors such as the frequency of transactions, the size of the bid-ask spread and the significance of adjustments made when considering transactions involving similar assets or liabilities to assess the relevance of those observed prices. If relevant and observable prices are available, the fair values of the related assets or liabilities would be classified as Level 2.
•Level 3: Fair values determined by Level 3 inputs are those based on unobservable inputs and include situations where there is little, if any, market activity for the asset or liability being valued. In instances where the inputs used to measure fair value may fall into different levels of the fair value hierarchy, the level in the fair value hierarchy in which the measurements classified based on the lowest level input that is significant to the fair value measurement in its entirety. Accordingly, the Company may utilize both observable and unobservable inputs in determining the fair values of financial instruments classified within the Level 3 category.
The Company evaluates the classification of each fair value measurement within the hierarchy at least quarterly.
The Company's assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and involves consideration of factors specific to the asset or liability. Furthermore, certain techniques used to measure fair value involve some degree of judgment and, as a result, are not necessarily indicative of the amounts the Company would realize in a current market exchange.
30
Assets and Liabilities Measured at Fair Value on a Recurring Basis
Assets and liabilities measured at fair value on a recurring basis are as follows (dollars in millions):
Quoted Price in Active Markets
for Identical
Assets 
(Level 1)		Significant
Other
Observable
Inputs 
(Level 2)		Significant
Unobservable
Inputs 
(Level 3)		Total
Balance at September 30, 2021
Assets
Fair value - OCI
United States Treasury and U.S. GSE securities$7,571 $9 $— $7,580 
Residential mortgage-backed securities - Agency— 211 — 211 
Available-for-sale investment securities$7,571 $220 $— $7,791 
Fair value - Net income
Marketable equity securities$600 $— $— $600 
Derivative financial instruments - fair value hedges(1)
$— $1 $— $1 
Balance at December 31, 2020
Assets
Fair value - OCI
United States Treasury securities$9,354 $— $— $9,354 
Residential mortgage-backed securities - Agency— 300 — 300 
Available-for-sale investment securities$9,354 $300 $— $9,654 
Fair value - Net income
Derivative financial instruments - fair value hedges(1)
$— $1 $— $1 
(1)Derivative instrument carrying values in an asset or liability position are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition.
Available-for-Sale Investment Securities
Investment securities classified as available-for-sale consist of United States Treasury and U.S. GSE securities and RMBS. The fair value estimates of investment securities classified as Level 1, consisting of United States Treasury securities, are determined based on quoted market prices for the same securities. The Company classifies these U.S. GSE securities and RMBS as Level 2, the fair value estimates of which are based on the best information available. This data may consist of observed market prices for similar securities, broker quotes or discounted cash flow models that incorporate assumptions such as benchmark yields, issuer spreads, prepayment speeds, credit ratings and losses, the priority of which may vary based on the availability of information.
The Company validates the fair value estimates provided by pricing services primarily by comparing to valuations obtained through other pricing sources. The Company evaluates pricing variances among different pricing sources to ensure that the valuations utilized are reasonable. The Company also corroborates the reasonableness of the fair value estimates with analysis of trends of significant inputs, such as market interest rate curves. The Company further performs due diligence in understanding the procedures and techniques performed by the pricing services to derive fair value estimates.
At September 30, 2021, amounts reported in RMBS reflect U.S. government agency and U.S. GSE obligations issued by Ginnie Mae, Fannie Mae and Freddie Mac with an aggregate par value of $201 million, a weighted-average coupon of 3.24% and a weighted-average remaining maturity of two years.
Marketable Equity Securities
The Company holds non-controlling equity positions in payment service entities that have actively traded stock and therefore have readily determinable fair values. The Company classifies these equity securities as Level 1, the fair value estimates of which are determined based on quoted share prices for the same securities.
31
Derivative Financial Instruments
The Company's derivative financial instruments consist of interest rate swaps and foreign exchange forward contracts. These instruments are classified as Level 2 as their fair values are estimated using proprietary pricing models, containing certain assumptions based on readily observable market-based inputs, including interest rate curves, option volatility and foreign currency forward and spot rates. In determining fair values, the pricing models use widely accepted valuation techniques, including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity and the observable market-based inputs. The fair values of the interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash receipts (or payments) and the discounted expected variable cash payments (or receipts). The variable cash payments are based on an expectation of future interest rates derived from the observable market interest rate curves. The Company considers collateral and master netting agreements that mitigate credit exposure to counterparties in determining the counterparty credit risk valuation adjustment. The fair values of the currency instruments are valued by comparing the contracted forward exchange rate pertaining to the specific contract maturities to the current market exchange rate.
The Company validates the fair value estimates of interest rate swaps primarily through comparison to the fair value estimates computed by the counterparties to each of the derivative transactions. The Company evaluates pricing variances among different pricing sources to ensure that the valuations utilized are reasonable. The Company also corroborates the reasonableness of the fair value estimates with analysis of trends of significant inputs, such as market interest rate curves. The Company performs due diligence in understanding the impact of any changes to the valuation techniques performed by proprietary pricing models before implementation, working closely with the third-party valuation service and reviewing the service's control objectives at least annually. The Company corroborates the fair value of foreign exchange forward contracts through independent calculation of the fair value estimates.
As of October 16, 2020, the Company revised its valuation methodology to reflect changes made by central clearinghouses that changed the discounting methodology and interest calculation of cash variation margin from OIS to the Secured Overnight Financing Rate (“SOFR”) for U.S. Dollar cleared interest rate swaps. The Company's valuation methodology will result in valuations for cleared interest rate swaps that better reflect cleared swap prices obtainable in the markets in which the Company transacts. Pursuant to ASC Topic 848, the Company has elected and applied certain optional expedients and exceptions that provide contract modification and hedge accounting relief to eligible interest rate swaps affected by the change in the discounting methodology. The changes in valuation methodology are applied prospectively as a change in accounting estimate and are immaterial to the Company’s financial statements.
Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis
The Company also has assets that, under certain conditions, are subject to measurement at fair value on a non-recurring basis. These assets include those associated with acquired businesses, including goodwill and other intangible assets. For these assets, measurement at fair value in periods subsequent to the initial recognition of the assets may be applicable whenever one is tested for impairment. The Company recognized $92 million of impairments related to these assets during the nine months ended September 30, 2021. No impairments were recognized during the three months ended September 30, 2021. See Note 5: Intangible Assets for more information on the impact of the COVID-19 pandemic on intangible assets.

32
Financial Instruments Measured at Other Than Fair Value
The following tables disclose the estimated fair value of the Company's financial assets and financial liabilities that are not required to be carried at fair value (dollars in millions):
Balance at September 30, 2021Quoted Prices in Active Markets
for Identical
Assets
(Level 1)		Significant
Other
Observable
Inputs (Level 2)		Significant
Unobservable
Inputs (Level 3)		TotalCarrying
Value
Assets
Amortized cost
Residential mortgage-backed securities - Agency$— $227 $— $227 $223 
Held-to-maturity investment securities$— $227 $— $227 $223 
Net loan receivables$— $— $90,019 $90,019 $82,681 
Carrying value approximates fair value(1)
Cash and cash equivalents$12,716 $— $— $12,716 $12,716 
Restricted cash$32 $— $— $32 $32 
Accrued interest receivables(2)
$— $968 $— $968 $968 
Liabilities
Amortized cost
Time deposits(3)
$— $22,300 $— $22,300 $21,831 
Long-term borrowings - owed to securitization investors$— $9,014 $110 $9,124 $9,064 
Other long-term borrowings— 10,204 — 10,204 9,452 
Long-term borrowings$— $19,218 $110 $19,328 $18,516 
Carrying value approximates fair value(1)
Accrued interest payables(2)
$— $124 $— $124 $124 
33
Balance at December 31, 2020Quoted Prices in Active Markets
for Identical
Assets
(Level 1)		Significant
Other
Observable
Inputs (Level 2)		Significant
Unobservable
Inputs (Level 3)		TotalCarrying
Value
Assets
Amortized cost
Residential mortgage-backed securities - Agency$— $269 $— $269 $260 
Held-to-maturity investment securities$— $269 $— $269 $260 
Net loan receivables$— $— $91,200 $91,200 $82,223 
Carrying value approximates fair value(1)
Cash and cash equivalents$13,564 $— $— $13,564 $13,564 
Restricted cash$25 $— $— $25 $25 
Other short-term investments$2,200 $— $— $2,200 $2,200 
Accrued interest receivables(2)
$— $992 $— $992 $992 
Liabilities
Amortized cost
Time deposits(3)
$— $29,090 $— $29,090 $28,269 
Long-term borrowings - owed to securitization investors$— $10,794 $130 $10,924 $10,840 
Other long-term borrowings— 11,418 — 11,418 10,401 
Long-term borrowings$— $22,212 $130 $22,342 $21,241 
Carrying value approximates fair value(1)
Accrued interest payables(2)
$— $233 $— $233 $233 
(1)The carrying values of these assets and liabilities approximate fair value due to their short-term nature.
(2)Accrued interest receivable and payable carrying values are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition.
(3)Excludes deposits without contractually defined maturities for all periods presented.
16.    Derivatives and Hedging Activities
The Company uses derivatives to manage its exposure to various financial risks. The Company does not enter into derivatives for trading or speculative purposes. Certain derivatives used to manage the Company's exposure to foreign currency are not designated as hedges and do not qualify for hedge accounting.
Derivatives may give rise to counterparty credit risk, which generally is addressed through collateral arrangements as described under the sub-heading "— Collateral Requirements and Credit-Risk Related Contingency Features." The Company enters into derivative transactions with established dealers that meet minimum credit criteria established by the Company. All counterparties must be pre-approved before engaging in any transaction with the Company. The Company regularly monitors counterparties to ensure compliance with the Company's risk policies and limits. In determining the counterparty credit risk valuation adjustment for the fair values of derivatives, if any, the Company considers collateral and legally enforceable master netting agreements that mitigate credit exposure to related counterparties.
All derivatives are recorded in other assets at their gross positive fair values and in accrued expenses and other liabilities at their gross negative fair values. See Note 15: Fair Value Measurements for a description of the valuation methodologies used for derivatives. Cash collateral amounts associated with derivative positions that are cleared through an exchange are legally characterized as settlement of the derivative positions. Such collateral amounts are reflected as offsets to the associated derivatives balances recorded in other assets or in accrued expenses and other liabilities. Other cash collateral posted and held balances are recorded in other assets and deposits, respectively, in the condensed consolidated statements of financial condition. Collateral amounts recorded in the condensed consolidated statements of financial condition are based on the net collateral posted or held position for each applicable legal entity's master netting arrangement with each counterparty.
34
Derivatives Designated as Hedges
Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows arising from changes in interest rates, or other types of forecasted transactions, are considered cash flow hedges. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges.
Cash Flow Hedges
The Company uses interest rate swaps to manage its exposure to changes in interest rates related to future cash flows resulting from interest received on interest-earning assets and interest payments on funding instruments. These interest rate swaps qualify for hedge accounting in accordance with ASC Topic 815, Derivatives and Hedging ("ASC 815"). As of September 30, 2021 and December 31, 2020, the Company's outstanding cash flow hedges related only to interest receipts from credit card receivables and had an initial maximum period of two years.
The change in the fair value of derivatives designated as cash flow hedges is recorded in OCI and is subsequently reclassified into earnings in the period that the hedged forecasted cash flows affect earnings. Amounts reported in AOCI related to derivatives at September 30, 2021, will be reclassified to interest income as interest receipts are accrued on the Company's then outstanding credit card receivables. During the next 12 months, the Company estimates it will reclassify $3 million of pretax earnings primarily related to one terminated derivative formerly designated as a cash flow hedge.
Fair Value Hedges
The Company is exposed to changes in the fair value of its fixed-rate debt obligations due to changes in interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value of certain fixed-rate long-term borrowings, including securitized debt and bank notes, attributable to changes in LIBOR or OIS rate, which are benchmark interest rates defined by ASC 815. These interest rate swaps qualify as fair value hedges in accordance with ASC 815. Changes in both (i) the fair values of the derivatives and (ii) the hedged long-term borrowings relating to the risk being hedged are recorded in interest expense. The changes generally provide substantial offset to one another, with any difference recognized in interest expense.
Derivatives Not Designated as Hedges
Foreign Exchange Forward Contracts
The Company has foreign exchange forward contracts that are economic hedges and are not designated as accounting hedges. The Company enters into foreign exchange forward contracts to manage foreign currency risk. Changes in the fair value of these contracts are recorded in other income.
Derivatives Cleared Through an Exchange
Cash variation margin payments on derivatives cleared through an exchange are legally considered settlement payments and are accounted for with corresponding derivative positions as one unit of account and not presented separately as collateral. With settlement payments on derivative positions cleared through this exchange reflected as offsets to the associated derivative asset and liability balances, the fair values of derivative instruments and collateral balances shown are generally reduced.
35
Derivatives Activity
The following table summarizes the fair value (including accrued interest) and outstanding notional amounts of derivative instruments and related collateral balances (dollars in millions):
 September 30, 2021December 31, 2020
 Notional
Amount		Number of Outstanding Derivative ContractsDerivative AssetsDerivative LiabilitiesNotional
Amount		Derivative AssetsDerivative Liabilities
Derivatives designated as hedges
Interest rate swaps—cash flow hedge$250 1 $— $— $250 $— $— 
Interest rate swaps—fair value hedge$8,275 10 1 — $11,625 1 — 
Derivatives not designated as hedges
Foreign exchange forward contracts(1)
$26 6 — — $24 — — 
Interest rate swaps$5 1 — — $— — — 
Total gross derivative assets/liabilities(2)
1 — 1 — 
Less: collateral held/posted(3)
— — — — 
Total net derivative assets/liabilities$1 $— $1 $— 
(1)The foreign exchange forward contracts have notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 788 million as of September 30, 2021, and notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 596 million as of December 31, 2020.
(2)In addition to the derivatives disclosed in the table, the Company enters into forward contracts to purchase when-issued mortgage-backed securities as part of its community reinvestment initiatives. At September 30, 2021, the Company had no outstanding contracts. At December 31, 2020, the Company had one outstanding contract with a total notional amount of $27 million and an immaterial fair value.
(3)Collateral amounts, which consist of cash and investment securities, are limited to the related derivative asset/liability balance and do not include excess collateral received/pledged.
The following amounts were recorded on the statements of financial condition related to cumulative basis adjustments for fair value hedges (dollars in millions):
September 30, 2021December 31, 2020
Carrying Amount of Hedged LiabilityCumulative Amount of Fair Value Hedging Adjustment Increasing the Carrying Amount of Hedged LiabilityCarrying Amount of Hedged LiabilitiesCumulative Amount of Fair Value Hedging Adjustment Increasing the Carrying Amount of Hedged Liability
Long-term borrowings$8,885 $115 $11,881 $281 
36
The following table summarizes the impact of the derivative instruments on income and indicates where within the condensed consolidated financial statements such impact is reported (dollars in millions):
Location and Amount of (Losses) Gains Recognized on the Condensed Consolidated Statements of Income
Interest Expense
Deposits
Long-Term Borrowings
Other Income
For the Three Months Ended September 30, 2021
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded$(156)$(113)$18 
The effects of cash flow and fair value hedging
Gains (losses) on cash flow hedging relationship
Amounts reclassified from OCI into earnings$— $— $— 
Gains on fair value hedging relationships
Gains on hedged items$— $45 $— 
Gains (losses) on interest rate swaps— (9)— 
Total gains on fair value hedging relationships$— $36 $— 
For the Three Months Ended September 30, 2020
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded$(287)$(126)$17 
The effects of cash flow and fair value hedging
Gains on cash flow hedging relationship
Amounts reclassified from OCI into earnings$(4)$— $— 
Gains on fair value hedging relationships
Gains on hedged items$— $59 $— 
Gains (losses) on interest rate swaps— (9)— 
Total gains on fair value hedging relationships$— $50 $— 
The effects of derivatives not designated in hedging relationships
Gains (losses) on derivatives not designated as hedges
$— $— $(1)
37
Location and Amount of (Losses) Gains Recognized on the Condensed Consolidated Statements of Income
Interest Expense
Deposits
Long-Term Borrowings
Other Income
For the Nine Months Ended September 30, 2021
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded$(519)$(356)$47 
The effects of cash flow and fair value hedging
Gains (losses) on cash flow hedging relationship
Amounts reclassified from OCI into earnings$— $(2)$— 
Gains on fair value hedging relationships
Gains on hedged items$— $167 $— 
Gains (losses) on interest rate swaps— (38)— 
Total gains on fair value hedging relationships$— $129 $— 
For the Nine Months Ended September 30, 2020
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded$(1,000)$(479)$59 
The effects of cash flow and fair value hedging
Losses on cash flow hedging relationship
Amounts reclassified from OCI into earnings$(9)$(2)$— 
Gains on fair value hedging relationship
Gains (losses) on hedged items$— $(326)$— 
Gains on interest rate swaps— 434 — 
Total gains on fair value hedging relationships$— $108 $— 
For the impact of the derivative instruments on OCI, see Note 9: Accumulated Other Comprehensive Income.
Collateral Requirements and Credit-Risk Related Contingency Features
The Company has master netting arrangements and minimum collateral posting thresholds with its counterparties for its fair value and cash flow hedge interest rate swaps and foreign exchange forward contracts. The Company has not sought a legal opinion in relation to the enforceability of its master netting arrangements and, as such, does not report any of these positions on a net basis. Collateral is required by either the Company or its subsidiaries or the counterparty depending on the net fair value position of the derivatives held with that counterparty. These collateral receivable or payable amounts are generally not offset against the fair value of these derivatives but are recorded separately in other assets or deposits. Most of the Company's cash collateral amounts relate to positions cleared through an exchange and are reflected as offsets to the associated derivatives balances recorded in other assets and accrued expenses and other liabilities.
The Company also has agreements with certain of its derivative counterparties that contain a provision under which the Company could be declared in default on any of its derivative obligations if the Company defaults on any of its indebtedness, including default where the lender has not accelerated repayment of the indebtedness.

38
17.    Segment Disclosures
The Company manages its business activities in two segments: Digital Banking and Payment Services.
•Digital Banking: The Digital Banking segment includes Discover-branded credit cards issued to individuals on the Discover Network and other consumer products and services, including private student loans, personal loans, home loans and other consumer lending and deposit products. The majority of Digital Banking revenues relate to interest income earned on the segment's loan products. Additionally, the Company's credit card products generate substantially all revenues related to discount and interchange, protection products and loan fee income.
•Payment Services: The Payment Services segment includes PULSE, an automated teller machine, debit and electronic funds transfer network; Diners Club, a global payments network; and the Company's Network Partners business, which provides payment transaction processing and settlement services on the Discover Network. The majority of Payment Services revenues relate to transaction processing revenue from PULSE and royalty and licensee revenue from Diners Club.
The business segment reporting provided to and used by the Company's chief operating decision-maker is prepared using the following principles and allocation conventions:
•The Company aggregates operating segments when determining reportable segments.
•Corporate overhead is not allocated between segments; all corporate overhead is included in the Digital Banking segment.
•Through its operation of the Discover Network, the Digital Banking segment incurs fixed marketing, servicing and infrastructure costs that are not specifically allocated among the segments, except for an allocation of direct and incremental costs driven by the Company's Payment Services segment.
•The Company's assets are not allocated among the operating segments in the information reviewed by the Company's chief operating decision-maker.
•The revenues of each segment are derived from external sources. The segments do not earn revenue from intercompany sources.
•Income taxes are not specifically allocated between the operating segments in the information reviewed by the Company's chief operating decision-maker.

39
The following table presents segment data (dollars in millions):
Digital
Banking		Payment
Services		Total
For the Three Months Ended September 30, 2021
Interest income
Credit card loans$2,193 $— $2,193 
Private student loans184 — 184 
Personal loans219 — 219 
Other loans30 — 30 
Other interest income48 — 48 
Total interest income2,674 — 2,674 
Interest expense269 — 269 
Net interest income2,405 — 2,405 
Provision for credit losses185 — 185 
Other income (loss)447 (75)372 
Other expense1,151 39 1,190 
Income (loss) before income taxes$1,516 $(114)$1,402 
For the Three Months Ended September 30, 2020
Interest income
Credit card loans$2,171 $— $2,171 
Private student loans182 — 182 
Personal loans237 — 237 
Other loans27 — 27 
Other interest income64 — 64 
Total interest income2,681 — 2,681 
Interest expense416 — 416 
Net interest income2,265 — 2,265 
Provision for credit losses750 — 750 
Other income371 78 449 
Other expense969 36 1,005 
Income before income taxes$917 $42 $959 
40
Digital
Banking		Payment
Services		Total
For the Nine Months Ended September 30, 2021
Interest income
Credit card loans$6,452 $— $6,452 
Private student loans554 — 554 
Personal loans662 — 662 
Other loans85 — 85 
Other interest income156 — 156 
Total interest income7,909 — 7,909 
Interest expense875 — 875 
Net interest income7,034 — 7,034 
Provision for credit losses(45)— (45)
Other income1,284 833 2,117 
Other expense3,290 203 3,493 
Income before income tax expense$5,073 $630 $5,703 
For the Nine Months Ended September 30, 2020
Interest income
Credit card loans$6,760 $— $6,760 
Private student loans569 — 569 
Personal loans722 — 722 
Other loans78 — 78 
Other interest income206 — 206 
Total interest income8,335 — 8,335 
Interest expense1,482 — 1,482 
Net interest income6,853 — 6,853 
Provision for credit losses4,603 — 4,603 
Other income1,091 320 1,411 
Other expense3,069 172 3,241 
Income before income tax expense$272 $148 $420 

41
18.    Revenue from Contracts with Customers
ASC Topic 606, Revenue from Contracts with Customers ("ASC 606"), generally applies to the sales of any good or service for which no other specific accounting guidance is provided. ASC 606 defines a principles-based model under which revenue from a contract is allocated to the distinct performance obligations within the contract and recognized in income as each performance obligation is satisfied. The Company's revenue that is subject to this model includes discount and interchange, protection products fees, transaction processing revenue and certain amounts classified as other income.
The following table presents revenue from contracts with customers disaggregated by business segment and reconciles revenue from contracts with customers to total other income (dollars in millions):
Digital BankingPayment ServicesTotal
For the Three Months Ended September 30, 2021
Other income subject to ASC 606
Discount and interchange revenue, net(1)
$280 $19 $299 
Protection products revenue43 — 43 
Transaction processing revenue— 58 58 
Other income3 15 18 
Total other income subject to ASC 606(2)
326 92 418 
Other income not subject to ASC 606
Loan fee income121 — 121 
Unrealized gains (losses) on equity investments— (167)(167)
Total other income (loss) not subject to ASC 606121 (167)(46)
Total other income (loss) by operating segment$447 $(75)$372 
For the Three Months Ended September 30, 2020
Other income subject to ASC 606
Discount and interchange revenue, net(1)
$225 $13 $238 
Protection products revenue44 — 44 
Transaction processing revenue— 50 50 
Other income2 15 17 
Total other income subject to ASC 606(2)
271 78 349 
Other income not subject to ASC 606
Loan fee income100 — 100 
Total other income not subject to ASC 606100 — 100 
Total other income by operating segment$371 $78 $449 
42
Digital BankingPayment ServicesTotal
For the Nine Months Ended September 30, 2021
Other income subject to ASC 606
Discount and interchange revenue, net(1)
$826 $53 $879 
Protection products revenue129 — 129 
Transaction processing revenue— 167 167 
Other (loss) income(4)51 47 
Total other income subject to ASC 606(2)
951 271 1,222 
Other income not subject to ASC 606
Loan fee income333 — 333 
Unrealized gains on equity investments— 562 562 
Total other income not subject to ASC 606333 562 895 
Total other income by operating segment$1,284 $833 $2,117 
For the Nine Months Ended September 30, 2020
Other income subject to ASC 606
Discount and interchange revenue, net(1)
$644 $47 $691 
Protection products revenue135 — 135 
Transaction processing revenue— 143 143 
Other income8 51 59 
Total other income subject to ASC 606(2)
787 241 1,028 
Other income not subject to ASC 606
Loan fee income304 — 304 
Realized gains on equity investments— 79 79 
Total other income not subject to ASC 606304 79 383 
Total other income by operating segment$1,091 $320 $1,411 
(1)Net of rewards, including Cashback Bonus rewards, of $689 million and $514 million for the three months ended September 30, 2021 and 2020, respectively, and $1.8 billion and $1.4 billion for the nine months ended September 30, 2021 and 2020, respectively.
(2)Excludes deposit product fees that are reported within net interest income, which were immaterial for the three and nine months ended September 30, 2021 and 2020.
For a detailed description of the Company's significant revenue recognition accounting policies, see Note 2: Summary of Significant Accounting Policies to the consolidated financial statements in the Company's annual report on Form 10-K for the year ended December 31, 2020.
19.    Subsequent Events
The Company has evaluated events and transactions that have occurred subsequent to September 30, 2021, and determined that there were no subsequent events that would require recognition or disclosure in the condensed consolidated financial statements.
43
Item 2.     Management's Discussion and Analysis of Financial Condition and Results of Operations
The following discussion and analysis of our financial condition and results of operations should be read in conjunction with our condensed consolidated financial statements and related notes included elsewhere in this quarterly report. This quarterly report contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements, which speak to our expected business and financial performance, among other matters, contain words such as "believe," "expect," "anticipate," "intend," "plan," "aim," "will," "may," "should," "could," "would," "likely," "forecast," and similar expressions. Such statements are based on the current beliefs and expectations of our management and are subject to significant risks and uncertainties. Actual results may differ materially from those set forth in the forward-looking statements. These forward-looking statements speak only as of the date of this quarterly report and there is no undertaking to update or revise them as more information becomes available.
The following factors, among others, could cause actual results to differ materially from those set forth in the forward-looking statements: the effect of the coronavirus disease 2019 ("COVID-19") pandemic and measures taken to mitigate the pandemic, including their impact on our credit quality and business operations as well as their impact on general economic and financial markets, changes in economic variables, such as the availability of consumer credit, the housing market, energy costs, the number and size of personal bankruptcy filings, the rate of unemployment, the levels of consumer confidence and consumer debt and investor sentiment; the impact of current, pending and future legislation, regulation, supervisory guidance and regulatory and legal actions, including, but not limited to, those related to financial regulatory reform, consumer financial services practices, anti-corruption and funding, capital and liquidity; the actions and initiatives of current and potential competitors; our ability to manage our expenses; our ability to successfully achieve card acceptance across our networks and maintain relationships with network participants; our ability to sustain and grow our private student loan, personal loan and home loan products; difficulty obtaining regulatory approval for, financing, transitioning, integrating or managing the expenses of acquisitions of or investments in new businesses, products or technologies; our ability to manage our credit risk, market risk, liquidity risk, operational risk, legal and compliance risk and strategic risk; the availability and cost of funding and capital; access to deposit, securitization, equity, debt and credit markets; the impact of rating agency actions; the level and volatility of equity prices, commodity prices and interest rates, currency values, investments, other market fluctuations and other market indices; losses in our investment portfolio; limits on our ability to pay dividends and repurchase our common stock; limits on our ability to receive payments from our subsidiaries; fraudulent activities or material security breaches of key systems; our ability to remain organizationally effective; our ability to increase or sustain Discover card usage or attract new customers; our ability to maintain relationships with merchants; the effect of political, economic and market conditions, geopolitical events and unforeseen or catastrophic events; our ability to introduce new products and services; our ability to manage our relationships with third-party vendors; our ability to maintain current technology and integrate new and acquired systems; our ability to collect amounts for disputed transactions from merchants and merchant acquirers; our ability to attract and retain employees; our ability to protect our reputation and our intellectual property; and new lawsuits, investigations or similar matters or unanticipated developments related to current matters. We routinely evaluate and may pursue acquisitions of or investments in businesses, products, technologies, loan portfolios or deposits, which may involve payment in cash or our debt or equity securities.
Additional factors that could cause our results to differ materially from those described below can be found in this section of this quarterly report and in "Risk Factors," "Business," and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in our annual report on Form 10-K for the year ended December 31, 2020, which is filed with the Securities and Exchange Commission ("SEC") and available at the SEC's internet site (https://www.sec.gov).
Introduction and Overview
Discover Financial Services ("DFS") is a digital banking and payment services company. We provide digital banking products and services and payment services through our subsidiaries. We offer our customers credit card loans, private student loans, personal loans, home loans and deposit products. We also operate the Discover Network, the PULSE network ("PULSE") and Diners Club International ("Diners Club"), collectively known as the Discover Global Network. The Discover Network processes transactions for Discover-branded credit and debit cards and provides payment transaction processing and settlement services. PULSE operates an electronic funds transfer network, providing financial institutions issuing debit cards on the PULSE network with access to ATMs domestically and internationally and merchant acceptance throughout the United States for debit card transactions. Diners Club is a global payments network of licensees, which are generally financial institutions, that issue Diners Club branded credit and charge cards and/or provide card acceptance services.
44
Our primary revenues consist of interest income earned on loan receivables and fees earned from customers, financial institutions, merchants and issuers. The primary expenses required to operate our business include funding costs (interest expense), credit loss provisions, customer rewards and expenses incurred to grow, manage and service our loan receivables and networks. Our business activities are funded primarily through consumer deposits, securitization of loan receivables and the issuance of unsecured debt.
COVID-19 Pandemic Response and Impact
The COVID-19 pandemic has continued to have a widespread and unprecedented impact on a global scale. While the United States economy continues to recover from a brief but severe recession triggered by the COVID-19 pandemic, its future effects are uncertain and it may be difficult to assess or predict the extent of the impacts of the pandemic on us as many factors are beyond our control and knowledge. For a discussion of the risks we face with respect to the COVID-19 pandemic, the associated economic uncertainty, the steps taken to mitigate the pandemic and the resulting economic contraction, see the risk factors disclosed in our annual report on Form 10-K for the year ended December 31, 2020, under "Risk Factors". This section includes a discussion of the significant areas of potential impact on us of the COVID-19 pandemic and specific actions we are taking or expect to take in this time of uncertainty.
Financial Results and Outlook
The United States economy continues to recover from the impacts of the COVID-19 pandemic. The easing of COVID-19 restrictions, economic expansion and government stimulus have positively impacted credit performance and elevated payment rates. We saw an increase in sales volume for the three and nine months ended September 30, 2021, compared to the same periods in 2020. Additionally, we had modest loan growth during the three months ended September 30, 2021.
We also decreased our allowance for credit losses from December 31, 2020. Refer to "— Loan Quality — Provision and Allowance for Credit Losses" for more details on the current period allowance for credit losses.
Our outlook remains unchanged from what we disclosed in the second quarter of 2021. We anticipate modest loan growth in 2021 driven by positive sales trends and new account growth. We expect net interest margin to remain generally flat relative to the first quarter of 2021 through the remainder of 2021, with some variability from quarter to quarter. We expect net charge-offs to be lower year-over-year driven by continued stable credit performance. We remain committed to disciplined expense management and will continue to make investments for profitable long-term growth through increased marketing and investments in core technology capabilities and efficiency improvements.
Regulatory and Legislative
Federal, state and local governments and independent banking agencies have taken extraordinary measures to support the United States economy and mitigate the impacts of the COVID-19 pandemic on the economy and society at large. These policies have included regulatory relief and flexibility to financial institutions, liquidity to capital markets and financial support to businesses and consumers, including fiscal stimulus, payment forbearance, small business lending programs, increased unemployment payments and other forms of assistance. Lawmakers continue to offer additional proposals in an attempt to mitigate harm to the economy and consumers. The effects of these programs are broad and very complex and depend upon a wide variety of factors, some of which are yet to be identified. Thus, the ultimate impact of these programs and policies on our business, results of operations and financial condition is difficult to quantify and may not be known for some time. For more information, see “— Regulatory Environment and Developments” below.
Loan Receivables and Allowance for Credit Losses
At the onset of the pandemic, we continued to lend to customers but tightened our standards for new accounts and for growing existing accounts across all products in our loan portfolio. Additionally, we temporarily reduced our customer acquisition and brand marketing in response to the significant economic downturn at the onset of the COVID-19 pandemic. As a result of the strong credit performance observed in the current year and positive economic outlook, we returned most of our underwriting criteria to pre-pandemic standards during the second quarter of 2021. Additionally, we increased our investments in credit card and private student loan marketing and business development in the second and third quarters of 2021 to support our loan growth initiatives.
In the third quarter of 2021, we decreased our allowance for credit losses in anticipation of lower credit losses driven by improving macroeconomic forecasts and continued stable credit performance. Our allowance for credit losses includes the
45
risk associated with all loans and considers the effects of all loan modifications, including troubled debt restructurings ("TDRs") and loan modifications exempt from the TDR designation under the Coronavirus Aid, Relief, and Economic Security Act ("CARES Act”). As of September 30, 2021, the allowance for credit losses took into account our best estimate for the impact of programs put in place by federal and state governments and agencies to mitigate the economic impact of the pandemic. It is unclear whether the measures employed to date are complete or whether federal and state governments and agencies may take additional actions that could impact our business. Refer to "— Loan Quality — Impact of the COVID-19 Pandemic on the Loan Portfolio" for more details on the current period allowance for credit losses.
Capital and Liquidity
We maintained liquid assets and capital levels in excess of historical norms as of September 30, 2021 as consumer loan payment rates and deposit balances remain above their pre-pandemic levels. We maintain good access to all of our diverse funding channels. For example, we took advantage of the low-rate, tight-credit-spread environment by issuing approximately $1.8 billion of credit card asset-backed securities in September 2021.
We remain well-capitalized with capital ratios in excess of regulatory minimums and took prudent actions to preserve and augment our capital when the macroeconomic and operating environment turned uncertain last year. Our capital levels allow us to capitalize on loan receivable growth as customers moderate loan payment rates and continue to increase spending as the economy more fully re-opens from the COVID-19 pandemic.
Payment Services
As governments across the world have taken steps to minimize the transmission of COVID-19, the number of cross-border transactions processed on the Discover Global Network has declined. Certain negatively impacted categories such as travel may have an outsized impact on some of our Diners Club franchisees. The impacts from the COVID-19 pandemic may result in lasting changes in consumer payment behaviors, such as a shift from credit to debit, a decline in the use of cash, increasing online sales and rapid adoption of contactless payment. As economic uncertainty persists, these shifts may continue to result in changes to the Payment Services segment’s results of operations.
Fair Value and Impairments
With the uncertain nature of the pandemic's overall impact on the economy, we continue to assess the effects of COVID-19 with respect to our goodwill and intangible assets, investment securities and other long-term assets. See Note 5: Intangible Assets to our condensed consolidated financial statements for more information on the impact of the COVID-19 pandemic on intangible assets.
Business Continuity and Operations
We have re-opened some of our physical locations with appropriate health safety measures and capacity limitations, including our corporate headquarters. However, we have informed employees that they may continue to work from home and will not be required to return to our physical locations prior to January 2022. Notwithstanding the shift to work-from-home, we have been able to successfully operate with no significant impact to our operations or service levels. As a result, upon the return to our physical locations, we will offer flexible work-from-home arrangements that will provide our employees the option to work remotely on a more frequent basis than before the pandemic.
Operational changes necessitated by the rapid shift in employee location have not thus far had a material adverse effect on us or our financial condition; however, the shift has caused us to grow increasingly dependent on third-party service providers, including those with which we have no relationship such as our employees’ internet service providers. For more information on the risks associated with reliance on third-party service providers and the shift to work from home, see the risk factors disclosed in our annual report on Form 10-K for the year ended December 31, 2020, under "Risk Factors".
Regulatory Environment and Developments
As the United States and global economies attempt to normalize from the COVID-19 pandemic, the banking agencies continue to evaluate whether additional actions are warranted to assist consumers, financial institutions and the overall economy. On March 31, 2021, the Consumer Financial Protection Bureau ("CFPB") announced it was rescinding several of its policy statements and withdrawing its participation in several interagency policy statements issued in response to the COVID-19 pandemic that had been intended to provide flexibility to financial institutions. The CFPB stated that the
46
rescissions "reflect the Bureau's commitment to consumer protection and the fact that financial institutions have had a year to adapt their operations to the difficulties posed by the pandemic."
In addition, the United States Congress has taken legislative action to address the economic disruptions caused by the COVID-19 pandemic, including the March 2020 CARES Act and December 2020 Omnibus and COVID Relief and Response Act. Most recently, the American Rescue Plan Act of 2021 ("ARPA"), enacted in March 2021, contained additional stimulus payments, increased unemployment benefits and increased small business funding under the Payment Protection Program. The ARPA also significantly increased and expanded the Child Tax Credit for one year and provides additional funding for rental assistance programs. These Congressional efforts offered financial assistance and benefits to consumers and small businesses. As the pandemic continues, additional legislative and regulatory action may be proposed and could include provisions that significantly impact our prospects and business practices. The impact of these legislative and regulatory initiatives on our business, the economy and the United States consumer will depend upon a wide variety of factors, some of which are yet to be identified.
Banking
Capital Standards and Stress Testing
DFS is subject to mandatory supervisory stress tests every other year and is required to submit annual capital plans to the Federal Reserve based on forward-looking internal analysis of income and capital levels under expected and stressful conditions. DFS is also subject to capital buffer requirements, including the Stress Capital Buffer ("SCB"), which requires maintenance of regulatory capital levels above a threshold established based on the results of supervisory stress tests after accounting for planned dividend payments.
In June 2020, the Federal Reserve issued a notice informing DFS that it and all other firms that participated in the 2020 Comprehensive Capital Analysis and Review ("CCAR") exercise would be required to submit revised capital plans to be assessed by the Federal Reserve under newly developed scenarios incorporating economic stresses reflecting the ongoing COVID-19 pandemic. The Federal Reserve notified all firms subject to CCAR that they would be subject to temporary restrictions on capital distributions in the third and fourth quarter of 2020 that restricted most share repurchases and limited dividends based on a formula that takes into account the firm's average net income over the preceding four quarters.
On November 2, 2020, DFS submitted its revised capital plan as part of the CCAR resubmission process, and the Federal Reserve publicly announced the results of its analysis on December 18, 2020. The results indicate that DFS' regulatory capital ratios remained above all minimum requirements under each of the stress test scenarios. However, due to ongoing economic uncertainty, the Federal Reserve extended the temporary restrictions on capital distributions, with modifications, for all firms subject to the Federal Reserve's capital planning rule through the second quarter of 2021. Following an announcement by the Federal Reserve on June 24, 2021, these restrictions were lifted and, effective June 30, 2021, DFS was authorized to make capital distributions that are consistent with the Federal Reserve's capital rule, inclusive of DFS' final SCB requirement of 3.5% that was previously announced by the Federal Reserve on August 10, 2020, and that remained in effect until the conclusion of the 2021 CCAR process and the subsequent, related announcement of DFS' adjusted SCB requirement.
On January 19, 2021, the Federal Reserve finalized regulatory amendments that made targeted changes to the capital planning, regulatory reporting and SCB requirements for firms subject to Category IV standards to be consistent with the Federal Reserve’s regulatory tailoring framework. The final rules generally align to instructions the Federal Reserve previously provided to Category IV firms regarding their respective capital plan submissions. The amended rules also provide Category IV firms, including DFS, with the option to submit to supervisory stress tests during off years if they wish for the Federal Reserve to reset the stress test portion of their SCB requirement. In connection with the final rulemaking, the Federal Reserve revised the scope of application of its existing regulatory guidance for capital planning to align with the tailoring framework. However, the timing and substance of any additional changes to existing guidance or new guidance are uncertain.
On June 24, 2021, the Federal Reserve publicly announced the results of its supervisory stress tests for the firms required to participate in the 2021 CCAR process. In accordance with the capital plan rule amendments that were finalized in January 2021, DFS elected not to participate in the 2021 supervisory stress tests. Nevertheless, DFS was required to submit a capital plan based on a forward-looking internal assessment of income and capital under baseline and stressful conditions. This plan was submitted by DFS to the Federal Reserve on April 5, 2021. The Federal Reserve thereafter used our 2021 capital plan submission to assess its capital planning process and positions and, as of August 5, 2021, announced DFS'
47
adjusted SCB requirement of 3.6% to reflect DFS' planned common stock dividends. This adjusted SCB is effective as of October 1, 2021.
London Interbank Offered Rate
On July 27, 2017, the UK Financial Conduct Authority ("FCA") announced that it would no longer encourage or compel banks to continue to contribute quotes and maintain the London Interbank Offered Rate ("LIBOR") after 2021. To support a smooth transition away from LIBOR, the Federal Reserve and the Federal Reserve Bank of New York convened the Alternative Reference Rates Committee ("ARRC"), a group of private-market participants tasked with facilitating a successful transition from U.S. dollar ("USD") LIBOR to a more robust reference rate. The ARRC initially identified the Secured Overnight Financing Rate ("SOFR") as its recommended alternative reference rate for USD LIBOR. The ARRC has also established several priorities and milestones to support the use of SOFR and SOFR-based indices, including developing contractual "fallback" language for capital markets and consumer products; providing clarity on legal, tax, accounting and regulatory matters; promoting broad outreach and education efforts around the LIBOR transition; and recommending spread adjustments for SOFR and SOFR-based indices, which will be of critical importance to market participants once USD LIBOR settings cease in 2023.
With regard to recent LIBOR transition developments, on March 5, 2021, the FCA announced the future cessation and loss of representativeness for all LIBOR benchmark settings. While non-USD and several less frequently referenced USD LIBOR settings will cease publication immediately after December 31, 2021, commonly referenced USD LIBOR settings will cease publication immediately after June 30, 2023; this future cessation event will trigger fallback provisions in many financial contracts to convert their benchmark index from LIBOR to an alternative rate, usually some form of SOFR. On July 29, 2021, the ARRC announced its recommendation of forward-looking term rates based on SOFR as additional alternative reference rate options.
We have a cross-functional team overseeing and managing our transition away from the use of LIBOR. This team assesses evolving industry and marketplace norms and conventions for LIBOR-indexed instruments, evaluates the impacts stemming from the future cessation of LIBOR publication and oversees and takes actions to transition our LIBOR exposures to alternative benchmark rates, usually SOFR. Our existing LIBOR exposures are limited primarily to three instruments—variable-rate student loans, interest rate swaps and capital markets securities—and we have materially reduced our remaining exposures in all of these instruments.
As of September 30, 2021, LIBOR-indexed variable-rate loans comprise approximately 44% of our private student loan portfolio and approximately 5% of our aggregate loan portfolio. These outstanding student loans indexed to LIBOR will convert to a SOFR index in 2023 when 3-month USD LIBOR will no longer be published. United States banking regulators have directed banks to cease entering into new contracts that use USD LIBOR as a reference rate after December 31, 2021. Therefore, beginning in November 2021, we will only originate new variable-rate student loans indexed to term SOFR.
We ceased entering into new LIBOR-indexed interest rate derivatives in 2018 and have since actively reduced LIBOR exposures in our derivatives portfolio. During the third quarter of 2021, we terminated our last LIBOR-indexed interest rate swap maturing after June 2023; our one remaining LIBOR-indexed interest rate swap will mature in January 2022.
Most of our capital markets securities indexed to USD LIBOR are floating-rate asset-backed securities. Beginning in 2018, we included fallback provisions in all newly-issued securities that will facilitate an orderly transition from LIBOR to SOFR once 1- and 3-month LIBOR cease to be published in 2023. Approximately $1.5 billion of our capital markets securities that mature after June 2023 with no fallback provisions would be covered under pending federal legislation that would allow us to replace the LIBOR index with SOFR under a safe-harbor provision. Approximately $800 million of our capital markets securities contain fallback provisions that would not be covered under pending federal legislation; however, shortly after the expected June 2023 USD LIBOR cessation date, these securities will either mature or we may exercise our right to call and redeem them.
We have prepared for the cessation of USD LIBOR by taking steps to avoid new exposures and actively reduce our remaining exposures. We are on track to complete before year-end 2021 any remaining transition work, including providing our customers with information about the cessation of USD LIBOR and how it will affect their contracts with us.
48
Consumer Financial Services
The CFPB regulates consumer financial products and services and examines certain providers of consumer financial products and services, including Discover. The CFPB's authority includes rulemaking, supervisory and enforcement powers with respect to federal consumer protection laws; preventing "unfair, deceptive or abusive acts or practices" and ensuring that consumers have access to fair, transparent and competitive financial products and services. Historically, the CFPB's policy priorities focused on several financial products of the type we offer (e.g., credit cards and other consumer lending products). In addition, the CFPB is required by statute to undertake certain actions, including its biennial review of the consumer credit card market. In December 2020, certain of our subsidiaries entered into a consent order with the CFPB regarding identified private student loan servicing practices. See Note 14: Litigation and Regulatory Matters to our condensed consolidated financial statements for more information.
Former Federal Trade Commissioner Rohit Chopra was sworn in as the Director of the CFPB on October 12, 2021. Under Mr. Chopra’s leadership, the CFPB’s priorities are expected to focus on, among other things, vigorous enforcement of existing consumer protection laws, with a particular focus on unfair, deceptive and abusive acts and practices and fair lending, student lending and servicing, fair lending, debt collection and credit reporting. These strategies and priorities and any resulting regulatory developments, findings, potential supervisory or enforcement actions and ratings could negatively impact business strategies, limit or change our business practices, limit consumer product offerings, invest more management time and resources in compliance efforts, limit fees charged for services, limit our ability to implement certain enhancements to product features and functionality or limit our ability to obtain related required regulatory approvals. The additional expense, time and resources needed to comply with ongoing or new regulatory requirements may adversely impact the cost of and access to credit for consumers and results of business operations.
Data Security and Privacy
Policymakers at the federal and state levels remain focused on enhancing data security and data breach incident response requirements. Furthermore, regulations and legislation at various levels of government have been proposed and enacted to augment consumer data privacy standards. The California Consumer Privacy Act ("CCPA") creates a broad set of privacy rights and remedies modeled in part on the European Union's General Data Protection Regulation. The CCPA went into effect on January 1, 2020, and the California Attorney General's final regulations became effective on August 14, 2020, with enforcement beginning July 1, 2020. The California Privacy Rights Act ("CPRA"), a ballot measure led by the original proponent of the CCPA, passed on November 3, 2020, and largely enters into force on January 1, 2023. The CPRA replaces the CCPA to enhance consumer privacy protections further and creates a new California Privacy Protection Agency ("CPPA"). In September, the CPPA Board initiated the CPRA regulatory phase by issuing a request for preliminary comments. While the CPRA retains an exemption for information collected, processed, sold, or disclosed subject to the Gramm-Leach-Bliley Act, we continue to evaluate the impact of the CPRA on our businesses and other providers of consumer financial services.

49
Segments
We manage our business activities in two segments, Digital Banking and Payment Services, based on the products and services provided. For a detailed description of each segment's operations and the allocation conventions used in our business segment reporting, see Note 17: Segment Disclosures to our condensed consolidated financial statements.
The following table presents segment data (dollars in millions):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 
2021202020212020
Digital Banking
Interest income
Credit card loans$2,193 $2,171 $6,452 $6,760 
Private student loans184 182 554 569 
Personal loans219 237 662 722 
Other loans30 27 85 78 
Other interest income48 64 156 206 
Total interest income2,674 2,681 7,909 8,335 
Interest expense269 416 875 1,482 
Net interest income2,405 2,265 7,034 6,853 
Provision for credit losses185 750 (45)4,603 
Other income447 371 1,284 1,091 
Other expense1,151 969 3,290 3,069 
Income before income taxes1,516 917 5,073 272 
Payment Services
Other (loss) income(75)78 833 320 
Other expense39 36 203 172 
(Loss) income before income taxes(114)42 630 148 
Total income before income taxes$1,402 $959 $5,703 $420 
The following table presents information on transactions and transaction volume (in millions):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Network Transaction Volume
PULSE Network$59,872 $54,993 $183,126 $157,026 
Network Partners10,377 8,917 29,474 23,177 
Diners Club(1)
6,547 5,839 18,570 17,915 
Total Payment Services76,796 69,749 231,170 198,118 
Discover Network—Proprietary(2)
49,360 38,699 135,763 106,228 
Total Network Transaction Volume$126,156 $108,448 $366,933 $304,346 
Transactions Processed on Networks
Discover Network868 679 2,345 1,889 
PULSE Network1,415 1,270 4,124 3,668 
Total Transactions Processed on Networks2,283 1,949 6,469 5,557 
Credit Card Volume
Discover Card Volume(3)
$50,389 $39,783 $138,772 $110,362 
Discover Card Sales Volume(4)
$47,613 $37,134 $130,817 $101,843 
(1)Diners Club volume is derived from data provided by licensees for Diners Club branded cards issued outside North America and is subject to subsequent revision or amendment.
(2)Represents gross Discover card sales volume on the Discover Network.
(3)Represents Discover card activity related to sales net of returns, balance transfers, cash advances and other activities.
(4)Represents Discover card activity related to sales net of returns.
50
Digital Banking
Our Digital Banking segment reported pretax income of $1.5 billion and $5.1 billion, respectively, for the three and nine months ended September 30, 2021, as compared to a pretax income of $917 million and $272 million, respectively, for the three and nine months ended September 30, 2020.
Net interest income increased for the three months ended September 30, 2021, as compared to the same period in 2020, primarily driven by lower funding costs. Interest income remained flat during the three months ended September 30, 2021, as compared to the same period in 2020, due to favorable interest charge-offs offset by a lower card revolve rate. Interest expense decreased during the three months ended September 30, 2021, as compared to the same period in 2020, due to lower average market rates, a lower funding base, lower pricing on deposits and higher coupon maturities.
Net interest income increased for the nine months ended September 30, 2021, as compared to the same period in 2020, primarily driven by lower funding costs, partially offset by a lower average level of outstanding loan receivables and lower yields on loans. Interest income decreased during the nine months ended September 30, 2021, as compared to the same period in 2020. This decrease was primarily due to a lower average level of card loan receivables, driven by higher payment rates, as well as lower yields on loans due to the lower market rates. Interest expense decreased during the nine months ended September 30, 2021, as compared to the same period in 2020 due to lower average market rates, a lower funding base, lower pricing on deposits and higher coupon maturities.
For the three and nine months ended September 30, 2021, the overall portfolio provision for credit losses decreased as compared to the same periods in 2020, primarily due to reserve releases in the current periods versus reserve builds in the prior periods and lower net charge-offs. The overall reserve release during the three months ended September 30, 2021, was primarily driven by improvements in the macroeconomic forecast and continued stable credit performance, partially offset by modest credit card loan receivables growth and seasonality in private student loan originations during the periods. The reserve build during the three months ended September 30, 2020, was driven by a seasonal increase in private student loan originations during the period. The reserve release during the nine months ended September 30, 2021, was primarily driven by improvements in the macroeconomic forecast, continued stable credit performance and a reduction in loan receivables outstanding during the period. The reserve build during the nine months ended September 30, 2020, was primarily driven by the unfavorable change in economic outlook resulting from the COVID-19 pandemic. For a detailed discussion on provision for credit losses, see "— Loan Quality — Provision and Allowance for Credit Losses."
Total other income increased for the three and nine months ended September 30, 2021, as compared to the same periods in 2020, which was primarily due to an increase in discount and interchange revenue. The increase in discount and interchange revenue was partially offset by an increase in rewards costs, both of which were the result of higher sales volume during the period.
Total other expense increased for the three months ended September 30, 2021, as compared to the same period in 2020, primarily due to increases in marketing and business development, other expense and professional fees. Marketing and business development increased due to accelerated growth investments primarily in card. The increase in other expense was driven by a legal accrual. The professional fees increase was driven primarily by an increase in recovery fees.
Total other expense increased for the nine months ended September 30, 2021, as compared to the same period in 2020, primarily due to increases in employee compensation and benefits, other expense, professional fees and marketing and business development. Employee compensation and benefits increased as a result of higher bonus accruals and higher average salaries, partially offset by lower headcount. The increase in other expense was driven by a legal accrual. The professional fees increase was driven primarily by an increase in recovery fees. Marketing and business development increased due to accelerated growth investments primarily in card.
Discover card sales volume was $47.6 billion and $130.8 billion, respectively, for the three and nine months ended September 30, 2021, which was an increase of 28.2% and 28.4%, respectively, as compared to the same periods in 2020. This volume growth was primarily driven by higher consumer spending across all spending categories, reflecting the easing of COVID-19 restrictions and continued economic expansion.
Payment Services
Our Payment Services segment reported pretax loss of $114 million and pretax income of $630 million, respectively, for the three and nine months ended September 30, 2021, as compared to pretax income of $42 million and $148 million for the same periods in 2020. The decrease in segment pretax income for the three months ended September 30, 2021, was driven
51
by unrealized losses on equity investments. Unrealized losses on equity investments are the result of changes in the fair value of our investments in payment services entities that have actively traded stock. The increase in segment pretax income for the nine months ended September 30, 2021, was due to unrealized gains on equity investments. Unrealized gains on equity investments are the result of investments in payment services entities that are carried at fair value because the shares are actively traded. This increase was partially offset by a decrease in realized gains on the sale of equity investments during the prior period.
Critical Accounting Estimates
In preparing our condensed consolidated financial statements in conformity with accounting principles generally accepted in the United States ("GAAP"), management must make judgments and use estimates and assumptions about the effects of matters that are uncertain. For estimates that involve a high degree of judgment and subjectivity, it is possible that different estimates could reasonably be derived for the same period. For estimates that are particularly sensitive to economic or market conditions changes, significant changes to the estimated amount from period to period are also possible. Management believes the current assumptions and other considerations used to estimate amounts reflected in our condensed consolidated financial statements are appropriate. However, if actual experience differs from the assumptions and other considerations used in estimating amounts in our condensed consolidated financial statements, the resulting changes could have a material effect on our consolidated results of operations and, in some instances, could have a material effect on our consolidated financial condition. Management has identified the estimate related to our allowance for credit losses as a critical accounting estimate. The critical accounting estimate related to the allowance for credit losses is discussed in greater detail in our annual report on Form 10-K for the year ended December 31, 2020, under "Management's Discussion and Analysis of Financial Condition and Results of Operations — Critical Accounting Estimates." There have not been any material changes in the methods used to formulate this critical accounting estimate from those discussed in our annual report on Form 10-K for the year ended December 31, 2020.
Earnings Summary
The following table outlines changes in our condensed consolidated statements of income (dollars in millions):
 For the Three Months Ended September 30,2021 vs. 2020
(Decrease) Increase		For the Nine Months Ended September 30,2021 vs. 2020
(Decrease) Increase
 20212020$%20212020$%
Interest income$2,674 $2,681 $(7)NM$7,909 $8,335 $(426)(5)%
Interest expense269 416 (147)(35)%875 1,482 (607)(41)%
Net interest income2,405 2,265 140 6 %7,034 6,853 181 3 %
Provision for credit losses185 750 (565)(75)%(45)4,603 (4,648)(101)%
Net interest income after provision for credit losses2,220 1,515 705 47 %7,079 2,250 4,829 215 %
Other income372 449 (77)(17)%2,117 1,411 706 50 %
Other expense1,190 1,005 185 18 %3,493 3,241 252 8 %
Income before income taxes1,402 959 443 46 %5,703 420 5,283 NM
Income tax expense311 188 123 65 %1,321 78 1,243 NM
Net income$1,091 $771 $320 42 %$4,382 $342 $4,040 NM
Net Interest Income
The table that follows this section has been provided to supplement the discussion below and provide further analysis of net interest income and net interest margin. Net interest income represents the difference between interest income earned on our interest-earning assets and the interest expense incurred to finance those assets. We analyze net interest income in total by calculating net interest margin (net interest income as a percentage of average total loan receivables) and net yield on interest-earning assets (net interest income as a percentage of average total interest-earning assets). We also separately consider the impact of the level of loan receivables and the related interest yield and the impact of the cost of funds related to each of our funding sources, along with the income generated by our liquidity portfolio, on net interest income.
Our interest-earning assets consist of: (i) cash and cash equivalents primarily related to amounts on deposit with the Federal Reserve Bank of Philadelphia, (ii) restricted cash, (iii) other short-term investments, (iv) investment securities and (v) loan receivables. Our interest-bearing liabilities consist primarily of deposits, both direct-to-consumer and brokered, and
52
long-term borrowings, including amounts owed to securitization investors. The following factors influence net interest income:
•The level and composition of loan receivables, including the proportion of credit card loans to other loans, as well as the proportion of loan receivables bearing interest at promotional rates as compared to standard rates;
•The credit performance of our loans, particularly with regard to charge-offs of finance charges, which reduces interest income;
•The terms of long-term borrowings and certificates of deposit upon initial offering, including maturity and interest rate;
•The interest rates necessary to attract and maintain direct-to-consumer deposits;
•The level and composition of other interest-earning assets, including our liquidity portfolio and interest-bearing liabilities;
•Changes in the interest rate environment, including the levels of interest rates and the relationships among interest rate indices, such as the prime rate, the Federal Funds rate, interest rate on excess reserves and LIBOR; and
•The effectiveness of interest rate swaps in our interest rate risk management program.
    Net interest income increased for the three months ended September 30, 2021, as compared to the same period in 2020, primarily driven by lower funding costs. Interest income remained flat during the three months ended September 30, 2021, as compared to the same period in 2020, due to favorable interest charge-offs offset by a lower card revolve rate. Interest expense decreased during the three months ended September 30, 2021, as compared to the same period in 2020, due to lower average market rates, a lower funding base, lower pricing on deposits and higher coupon maturities.
Net interest income increased for the nine months ended September 30, 2021, as compared to the same period in 2020, primarily driven by lower funding costs, partially offset by a lower average level of outstanding loan receivables and lower yields on loans. Interest income decreased during the nine months ended September 30, 2021, as compared to the same period in 2020. This decrease was primarily due to a lower average level of card loan receivables, driven by higher payment rates, as well as lower yields on loans due to the lower market rates. Interest expense decreased during the nine months ended September 30, 2021, as compared to the same period in 2020 due to lower average market rates, a lower funding base, lower pricing on deposits and higher coupon maturities.

53
Average Balance Sheet Analysis
(dollars in millions)
For the Three Months Ended September 30,
 20212020
 Average BalanceYield/RateInterestAverage BalanceYield/RateInterest
Assets
Interest-earning assets
Cash and cash equivalents$12,192 0.16 %$3 $12,552 0.12 %$4 
Restricted cash571 0.03 %NM775 0.09 %NM
Other short-term investmentsNM0.10 %NM4,529 0.15 %2 
Investment securities8,431 2.09 %45 10,760 2.13 %58 
Loan receivables(1)
Credit card loans(2)
69,416 12.53 %2,193 69,643 12.40 %2,171 
Private student loans9,932 7.36 %184 9,790 7.40 %182 
Personal loans6,900 12.61 %219 7,255 13.03 %237 
Other loans2,108 5.41 %30 1,734 6.25 %27 
Total loan receivables88,356 11.79 %2,626 88,422 11.78 %2,617 
Total interest-earning assets109,550 9.68 %2,674 117,038 9.11 %2,681 
Allowance for credit losses(7,020)(8,183)
Other assets6,430 5,981 
Total assets$108,960 $114,836 
Liabilities and Stockholders' Equity
Interest-bearing liabilities
Interest-bearing deposits
Time deposits$22,804 1.76 %101 $32,063 2.33 %188 
Money market deposits(3)
8,108 0.53 %11 8,104 0.94 %19 
Other interest-bearing savings deposits41,059 0.42 %44 36,655 0.87 %80 
Total interest-bearing deposits71,971 0.86 %156 76,822 1.49 %287 
Borrowings
Short-term borrowings6 0.24 %NM350 3.10 %3 
Securitized borrowings(4)(5)
8,292 1.10 %22 12,115 1.04 %31 
Other long-term borrowings(5)(6)
9,550 3.78 %91 10,426 3.60 %95 
Total borrowings17,848 2.53 %113 22,891 2.23 %129 
Total interest-bearing liabilities89,819 1.19 %269 99,713 1.66 %416 
Other liabilities and stockholders' equity19,141 15,123 
Total liabilities and stockholders' equity$108,960 $114,836 
Net interest income$2,405 $2,265 
Net interest margin(7)
10.80 %10.19 %
Net yield on interest-earning assets(8)
8.71 %7.70 %
Interest rate spread(9)
8.49 %7.45 %
54
For the Nine Months Ended September 30,
 20212020
 Average
Balance		Yield/RateInterestAverage
Balance		Yield/RateInterest
Assets
Interest-earning assets
Cash and cash equivalents$15,725 0.12 %$14 $11,522 0.36 %$31 
Restricted cash536 0.03 %NM544 0.48 %2 
Other short-term investments235 0.12 %NM1,667 0.15 %2 
Investment securities9,125 2.08 %142 10,658 2.14 %171 
Loan receivables(1)
Credit card loans(2)
68,522 12.59 %6,452 71,934 12.55 %6,760 
Private student loans10,044 7.38 %554 9,869 7.70 %569 
Personal loans6,953 12.73 %662 7,477 12.90 %722 
Other loans2,002 5.64 %85 1,609 6.48 %78 
Total loan receivables87,521 11.84 %7,753 90,889 11.95 %8,129 
Total interest-earning assets113,142 9.35 %7,909 115,280 9.66 %8,335 
Allowance for credit losses(7,521)(6,991)
Other assets6,189 5,787 
Total assets$111,810 $114,076 
Liabilities and Stockholders’ Equity
Interest-bearing liabilities
Interest-bearing deposits
Time deposits$24,856 1.90 %354 $33,202 2.46 %611 
Money market deposits(3)
8,151 0.53 %32 7,635 1.28 %73 
Other interest-bearing savings deposits40,760 0.43 %133 33,852 1.25 %316 
Total interest-bearing deposits73,767 0.94 %519 74,689 1.79 %1,000 
Borrowings
Short-term borrowings3 0.21 %NM118 3.10 %3 
Securitized borrowings(4)(5)
9,798 1.05 %77 13,051 1.55 %152 
Other long-term borrowings(5)(6)
10,037 3.72 %279 11,193 3.91 %327 
Total borrowings19,838 2.40 %356 24,362 2.64 %482 
Total interest-bearing liabilities93,605 1.25 %875 99,051 2.00 %1,482 
Other liabilities and stockholders’ equity18,205 15,025 
Total liabilities and stockholders’ equity$111,810 $114,076 
Net interest income$7,034 $6,853 
Net interest margin(7)
10.74 %10.07 %
Net yield on interest-earning assets(8)
8.31 %7.94 %
Interest rate spread(9)
8.10 %7.66 %
(1)Average balances of loan receivables and yield calculations include non-accruing loans. If the non-accruing loan balances were excluded, there would not be a material impact on the amounts reported above.
(2)Interest income on credit card loans includes $73 million and $70 million of amortization of balance transfer fees for the three months ended September 30, 2021 and 2020, respectively, and $217 million and $227 million for the nine months ended September 30, 2021 and 2020, respectively.
(3)Includes the impact of interest rate swap agreements used to change a portion of floating-rate funding to fixed-rate funding for the three and nine months ended September 30, 2020.
(4)Includes the impact of one terminated derivative formerly designated as a cash flow hedge for the three and nine months ended September 30, 2021 and 2020.
(5)Includes the impact of interest rate swap agreements used to change a portion of fixed-rate funding to floating-rate funding for the three and nine months ended September 30, 2021 and 2020.
(6)Includes the impact of one terminated derivative formerly designated as a fair value hedge for the three and nine months ended September 30, 2021.
(7)Net interest margin represents net interest income as a percentage of average total loan receivables.
(8)Net yield on interest-earning assets represents net interest income as a percentage of average total interest-earning assets.
(9)Interest rate spread represents the difference between the rate on total interest-earning assets and total interest-bearing liabilities.
55
Loan Quality
Impact of the COVID-19 Pandemic on the Loan Portfolio
The COVID-19 pandemic and its impact on the economy have significantly affected our sales volume and credit card loan growth. We tightened standards for new accounts and for growing existing accounts across all products and reduced our marketing and customer acquisition expenditures at the onset of the pandemic. Due to the strong economic recovery from the COVID-19 pandemic-induced recession, we returned most of our underwriting criteria to pre-pandemic standards and resumed our investment in marketing and business development during the second quarter of 2021. This change in our credit underwriting, in addition to changes in consumer spending behavior, increased marketing and the re-opening of the United States economy upon expiration of COVID-19 restrictions, contributed to an increase in sales volume for the three and nine months ended September 30, 2021, when compared to the same periods in 2020. Our outstanding loan receivables as of September 30, 2021, decreased when compared to December 31, 2020, due to elevated payment rates resulting from the several rounds of government stimulus and associated improvement in household cash flows. The decrease in outstanding loan receivables was partially offset by the robust credit card sales trends and seasonality in private student loan originations during the nine months ended September 30, 2021.
At the onset of the COVID-19 pandemic, we expanded borrower relief offerings to include Skip-a-Pay (payment deferral) ("SaP") and other loan modification programs, complementing the assistance already available through our existing loan modification programs. On August 31, 2020, we ceased offering enrollments in the SaP and other loan modification programs specifically developed in response to the COVID-19 pandemic. The accounts using these modifications as a result of the COVID-19 pandemic were evaluated for potential exclusion from the TDR designation either due to the insignificance of the concession or because they qualified for an exemption pursuant to the CARES Act. The SaP programs provided only an insignificant delay in payment on the enrolled accounts or loans and therefore those deferrals were not classified as TDRs.
Section 4013 of the CARES Act provides certain financial institutions with the option to suspend the application of accounting and reporting guidance for TDRs for a limited period of time for loan modifications made to address the effects of the COVID-19 pandemic. Section 541 of the Omnibus and COVID Relief and Response Act extended the TDR accounting and reporting relief provided by the CARES Act through the earlier of January 1, 2022, or the date that is 60 days after the termination of the presidentially-declared national emergency. We elected to apply the option to suspend the application of accounting and reporting guidance for TDRs as provided under Section 4013 of the CARES Act and as subsequently extended. As such, the number of accounts and corresponding balances designated as a TDR for the three and nine months ended September 30, 2021 and 2020, have been favorably impacted by the exclusion of certain modifications from the TDR designation pursuant to these exemptions and are expected to remain lower than they otherwise would have been. The payment status of modified accounts excluded from the TDR designation pursuant to the CARES Act is reflected in our delinquency reporting.
56
The table below reflects the number and balance of both new loan modifications reported as TDRs and new loan modifications excluded from the TDR designation pursuant to the CARES Act (dollars in millions)(1):
Accounts that entered a loan modification program and were classified as TDRs during the period
Accounts that entered a loan modification program and were exempt from the TDR designation pursuant to the CARES Act(1)
Number of AccountsBalancesNumber of AccountsBalances
For the Three Months Ended September 30, 2021
Credit card loans13,964 $86 27,925 $200 
Private student loans102 $2 2,325 $46 
Personal loans888 $10 239 $3 
For the Three Months Ended September 30, 2020(2)
Credit card loans20,779 $150 80,656 $591 
Private student loans118 $2 1,922 $35 
Personal loans2,505 $33 2,193 $39 
For the Nine Months Ended September 30, 2021(3)
Credit card loans48,887 $315 97,449 $697 
Private student loans355 $7 7,038 $135 
Personal loans3,102 $38 1,177 $18 
For the Nine Months Ended September 30, 2020(3)
Credit card loans130,869 $875 155,676 $1,169 
Private student loans1,767 $32 3,416 $62 
Personal loans6,315 $83 2,431 $43 
(1)SaP programs were not considered TDRs and therefore are not included in accounts excluded from the TDR designation by the CARES Act.
(2)Certain prior period amounts have been reclassified to conform to the current period presentation.
(3)As the TDR exemption pursuant to the CARES Act took effect in March 2020, the nine months ended September 30, 2021, is not comparable to the same period in 2020.
The number and balance of new credit card and personal loan modifications, including the combined total of those identified as TDRs and those exempt from the TDR designation, decreased during the three and nine months ended September 30, 2021, when compared to the same periods in 2020. The decrease in both periods is primarily due to the impacts of several rounds of government stimulus and disaster relief programs, which reduced the need for our customers to enroll in a loan modification program. The number and balance of loan modifications across all products, including the combined total of those identified as TDRs and those exempt from the TDR designation, during the three and nine months ended September 30, 2020, were favorably impacted by the utilization of SaP programs in lieu of traditional loan modification programs. Additionally, enrollments in personal loan modification programs were favorably impacted by tighter underwriting standards that were implemented in early 2020.
57
The following table provides the number of accounts that exited a temporary loan modification program that were exempt from the TDR designation pursuant to the CARES Act and corresponding outstanding balances along with the amount of the outstanding balances that were delinquent (30 or more days past due) upon exiting the temporary loan modification program (dollars in millions)(1):
Three Months Ended September 30, 2021
Number of AccountsOutstanding Balances
Balances Delinquent(2)
Credit card loans42,067 $254 $35 
Private student loans(3)
2,290 $40 NM
Personal loans(3)
1,307 $21 NM
Nine Months Ended September 30, 2021
Number of AccountsOutstanding Balances
Balances Delinquent(2)
Credit card loans155,712 $955 $129 
Private student loans(3)
6,024 $106 NM
Personal loans(3)
4,101 $61 NM
(1)As the TDR exemption pursuant to the CARES Act took effect in March 2020, the nine months ended September 30, 2021, is not comparable to the same period in 2020. The number of accounts that exited a temporary loan modification program that were exempt from the TDR designation pursuant to the CARES Act and corresponding outstanding balances were not meaningful for the three and nine months ended September 30, 2020.
(2)Includes balances charged off at the end of the month the account exited the temporary loan modification program. The balances charged off were not meaningful for the three and nine months ended September 30, 2021 and 2020.
(3)The private student loan and personal loan balances that were delinquent upon exiting a temporary loan modification program were not meaningful for the three and nine months ended September 30, 2021 and 2020.
Our estimate of expected loss reflected in our allowance for credit losses includes the risk associated with all loans. We consider the effects of all loan modifications, including TDRs, loan modifications exempt from the TDR designation pursuant to the CARES Act and SaP programs. We believe we have appropriately reflected the risk of the accounts using these programs and the economic impact of the COVID-19 pandemic on our customers in the allowance for credit losses. Refer to Note 3: Loan Receivables to our condensed consolidated financial statements for more details on modification programs, TDRs and the allowance for credit losses.
Loan receivables consist of the following (dollars in millions):
September 30,
2021		December 31, 2020
Credit card loans$70,320 $71,472 
Other loans
Private student loans10,184 9,954 
Personal loans6,890 7,177 
Other loans2,148 1,846 
Total other loans19,222 18,977 
Total loan receivables89,542 90,449 
Allowance for credit losses(6,861)(8,226)
Net loan receivables$82,681 $82,223 
58
Provision and Allowance for Credit Losses
Provision for credit losses is the expense related to maintaining the allowance for credit losses at an appropriate level to absorb the estimate of credit losses anticipated over the remaining expected life of loan receivables at each period end date. In deriving the estimate of expected credit loss, we consider the collectability of principal, interest and fees associated with our loan receivables. We also consider expected recoveries of amounts that were either previously charged off or are expected to be charged off. Establishing the estimate for expected credit losses requires significant management judgment. The factors that influence the provision for credit losses include:
•Increases or decreases in outstanding loan balances, including:
•Changes in consumer spending, payment and credit utilization behaviors;
•The level of originations and maturities; and
•Changes in the overall mix of accounts and products within the portfolio;
•The credit quality of the loan portfolio, which reflects our credit granting practices and the effectiveness of collection efforts, among other factors;
•The impact of general economic conditions on the consumer, including national and regional conditions, unemployment levels, bankruptcy trends and interest rate movements;
•The level and direction of historical losses; and
•Regulatory changes or new regulatory guidance.
Refer to "Management's Discussion and Analysis of Financial Condition and Results of Operations — Critical Accounting Estimates" in our annual report on Form 10-K for the year ended December 31, 2020, and Note 3: Loan Receivables to our condensed consolidated financial statements for more details on how we estimate the allowance for credit losses.
59
The following tables provide changes in our allowance for credit losses (dollars in millions):
For the Three Months Ended September 30, 2021
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at June 30, 2021$5,409 $828 $745 $44 $7,026 
Additions
Provision for credit losses(1)
178 46 (64)— 160 
Deductions
Charge-offs(495)(23)(38)— (556)
Recoveries206 6 19 — 231 
Net charge-offs(289)(17)(19)— (325)
Balance at September 30, 2021$5,298 $857 $662 $44 $6,861 
For the Three Months Ended September 30, 2020
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at June 30, 2020$6,491 $799 $857 $37 $8,184 
Additions
Provision for credit losses(1)
604 55 49 2 710 
Deductions
Charge-offs(759)(20)(62)(1)(842)
Recoveries155 6 13 — 174 
Net charge-offs(604)(14)(49)(1)(668)
Balance at September 30, 2020$6,491 $840 $857 $38 $8,226 
For the Nine Months Ended September 30, 2021
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at December 31, 2020$6,491 $840 $857 $38 $8,226 
Additions
Provision for credit losses(1)
(18)61 (96)6 (47)
Deductions
Charge-offs(1,778)(63)(150)— (1,991)
Recoveries603 19 51 — 673 
Net charge-offs(1,175)(44)(99)— (1,318)
Balance at September 30, 2021$5,298 $857 $662 $44 $6,861 
For the Nine Months Ended September 30, 2020
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at December 31, 2019(2)
$2,883 $148 $348 $4 $3,383 
Cumulative effect of ASU No. 2016-13 adoption(3)
1,667 505 265 24 2,461 
Balance at January 1, 20204,550 653 613 28 5,844 
Additions
Provision for credit losses(2)
3,916 233 426 11 4,586 
Deductions
Charge-offs(2,480)(62)(224)(1)(2,767)
Recoveries505 16 42 — 563 
Net charge-offs(1,975)(46)(182)(1)(2,204)
Balance at September 30, 2020$6,491 $840 $857 $38 $8,226 
(1)Excludes a $25 million and $40 million reclassification of the liability for expected credit losses on unfunded commitments for the three months ended September 30, 2021 and 2020, respectively, and $2 million and $17 million for the nine months ended September 30, 2021 and 2020, respectively, as the liability is recorded in accrued expenses and other liabilities in our condensed consolidated statements of financial condition.
(2)Prior to the adoption of Accounting Standards Update ("ASU") No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.
(3)Represents the adjustment to the allowance for credit losses due to the adoption of ASU No. 2016-13 on January 1, 2020.
60
The allowance for credit losses was approximately $6.9 billion at September 30, 2021, which reflects a $165 million release from the amount of the allowance for credit losses at June 30, 2021 and a $1.4 billion release from the amount of the allowance for credit losses at December 31, 2020.
The release in the allowance for credit losses between September 30, 2021 and June 30, 2021, was primarily driven by improving macroeconomic forecasts and continued stable credit performance, partially offset by modest loan growth during the period. The modest growth in loan receivables during the three months ended September 30, 2021, was driven by the robust credit card sales trends as COVID-19 restrictions continue to ease and the United States economy continues to more fully reopen. Additionally, credit card sales from new accounts and seasonality in private student loan originations contributed to an increase in ending outstanding loan receivables. The loan receivables growth was partially offset by elevated payment rates resulting from the several rounds of government stimulus and associated improvement in household cash flows.
The release in the allowance for credit losses between September 30, 2021 and December 31, 2020, was primarily driven by improvements in the macroeconomic forecast and continued stable credit performance. The release was also partially driven by a moderate reduction in loan receivables outstanding during the period. The decrease in outstanding loan receivables, particularly credit card and personal loan receivables, and the stable credit performance, were driven by elevated payment rates resulting from the several rounds of government stimulus and associated improvement in household cash flows. The decrease in outstanding loan receivables was partially offset by the robust credit card sales trends during the period and seasonality in private student loan originations in the third quarter of 2021.
In estimating the allowance at September 30, 2021, we used a macroeconomic forecast that projected (i) a peak unemployment rate of 6.1%, decreasing to 5.5% and 4.0% through the end of 2021 and 2022, respectively; and (ii) a 6.4% and 3.5% annualized growth in the real gross domestic product for 2021 and 2022, respectively. Labor market conditions, which historically have been an important determinant of credit loss trends, continue to improve despite the spread of the COVID-19 delta variant. However, the unemployment rate and initial and continuing jobless claims remain moderately elevated relative to pre-pandemic levels. In estimating expected credit losses, we considered the uncertainties associated with borrower behavior, payment trends and credit performance subsequent to the expiration of government stimulus programs, such as the CARES Act and ARPA, and disaster relief programs, such as foreclosure moratoriums and federal student loan and mortgage payment forbearance. During the third quarter of 2021, several disaster relief programs expired or were rescinded entirely. As the government's response to the pandemic wanes, there is uncertainty regarding the sustainability of the recent credit quality trends in our loan receivables portfolio. Accordingly, the estimation of the allowance for credit losses has required significant management judgment.
The forecast period we deemed reasonable and supportable was 18 months for all periods presented except March 31, 2020, where the forecast period was 12 months due to the uncertainty caused by the rapidly changing economic environment experienced at the onset of the COVID-19 pandemic. The 18-month reasonable and supportable forecast period was deemed appropriate based on the observed economic phase transition from recovery to expansion and the associated stabilization of macroeconomic forecasts. For all periods presented, we determined that a reversion period of 12 months was appropriate for similar reasons. Due to the uncertainties associated with borrower behavior resulting from government stimulus and disaster relief programs, we applied a weighted reversion method to provide a more reasonable transition to historical losses for all loan products for all periods presented with the following exceptions: at March 31, 2020 and December 31, 2019, we applied a straight-line method for all loan products. At June 30, 2020, we applied a weighted reversion method for credit card loans and a straight-line method for all other loan products.
The provision for credit losses is the amount of expense realized after considering the level of net charge-offs in the period and the required amount of allowance for credit losses at the balance sheet date. For the three months ended September 30, 2021, the provision for credit losses decreased by $550 million, or 77%, compared to the same period in 2020. For the nine months ended September 30, 2021, the provision for credit losses decreased by $4.6 billion, or 101%, compared to the same period in 2020. The decrease in both periods was primarily due to reserve releases in the current periods versus reserve builds in the prior periods and lower net charge-offs. The reserve releases during the three and nine months ended September 30, 2021, were primarily driven by favorable change in the macroeconomic outlook related to the economic impacts of the COVID-19 pandemic-induced recession and continued stable credit performance. The reserve builds during the three and nine months ended September 30, 2020, were primarily due to the unfavorable change in economic outlook resulting from the COVID-19 pandemic.
61
Net Charge-offs
Our net charge-offs include the principal amount of losses charged off less principal recoveries and exclude charged-off and recovered interest and fees and fraud losses. Charged-off and recovered interest and fees are recorded in interest income and loan fee income, respectively, which is effectively a reclassification of the provision for credit losses, while fraud losses are recorded in other expense.
The following table presents amounts and rates of net charge-offs of key loan products (dollars in millions):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
 $%$%$%$%
Credit card loans$289 1.65 %$604 3.45 %$1,175 2.29 %$1,975 3.67 %
Private student loans$17 0.68 %$14 0.58 %$44 0.58 %$46 0.63 %
Personal loans$19 1.11 %$49 2.69 %$99 1.91 %$182 3.24 %
The decreases in net charge-offs and the net charge-off rates for credit card and personal loans for the three and nine months ended September 30, 2021, when compared to the same periods in 2020, were primarily due to the impacts of government stimulus and disaster relief programs and to a lesser extent improved collection and recovery strategies. Additionally, the net charge-offs and the net charge-off rate of personal loans for three and nine months ended September 30, 2021, were favorably impacted by tighter underwriting standards that were implemented in early 2020. The net charge-offs and net charge-off rate for private student loans remained relatively flat for the three and nine months ended September 30, 2021, when compared to the same periods in 2020, due to the impacts of government stimulus and disaster relief programs.
62
Delinquencies
Delinquencies are an indicator of credit quality at a point in time. A loan balance is considered delinquent when contractual payments on the loan become 30 days past due.
The following table presents the amounts and delinquency rates of key loan products that are 30 and 90 days or more delinquent, loan receivables that are not accruing interest regardless of delinquency and loans restructured in TDR programs (dollars in millions):
 September 30, 2021December 31, 2020
 $%$%
Loans 30 or more days delinquent
Credit card loans$1,040 1.48 %$1,478 2.07 %
Private student loans$158 1.55 %$138 1.39 %
Personal loans$49 0.71 %$78 1.08 %
Loans 90 or more days delinquent(1)
Credit card loans$467 0.66 %$739 1.03 %
Private student loans$36 0.35 %$28 0.28 %
Personal loans$13 0.19 %$25 0.35 %
Loans not accruing interest$232 0.24 %$243 0.26 %
Troubled debt restructurings:
Credit card loans(2)(3)(4)
Currently enrolled$888 1.26 %$1,225 1.71 %
No longer enrolled300 0.43 448 0.63 
Total credit card loans$1,188 1.69 %$1,673 2.34 %
Private student loans(5)
$258 2.53 %$286 2.87 %
Personal loans(6)
$197 2.86 %$222 3.09 %
(1)Credit card loans that were 90 or more days delinquent at September 30, 2021 and December 31, 2020, included $58 million and $44 million, respectively, in modified loans exempt from the TDR designation under the CARES Act. Within private student and personal loans that were 90 or more days delinquent at September 30, 2021 and December 31, 2020, the respective amounts associated with modifications exempt from the TDR designation under the CARES Act were immaterial.
(2)We estimate that interest income recognized on credit card loans restructured in TDR programs was $24 million and $50 million for the three months ended September 30, 2021 and 2020, respectively, and $84 million and $181 million for the nine months ended September 30, 2021 and 2020, respectively. We do not separately track interest income on loans in TDR programs. We estimate this amount by applying an average interest rate to the average loans in the various TDR programs.
(3)We estimate that the incremental interest income that would have been recorded in accordance with the original terms of credit card loans restructured in TDR programs was $34 million and $43 million for the three months ended September 30, 2021 and 2020, respectively, and $106 million and $144 million for the nine months ended September 30, 2021 and 2020, respectively. We do not separately track the amount of incremental interest income that would have been recorded if the loans in TDR programs had not been restructured and interest had instead been recorded in accordance with the original terms. We estimate this amount by applying the difference between the average interest rate earned on non-modified loans and the average interest rate earned on loans in the TDR programs to the average loans in the TDR programs.
(4)Credit card loans restructured in TDR programs include $44 million and $94 million at September 30, 2021 and December 31, 2020, respectively, which are also included in loans 90 or more days delinquent.
(5)Private student loans restructured in TDR programs include $8 million and $6 million at September 30, 2021 and December 31, 2020, respectively, which are also included in loans 90 or more days delinquent.
(6)Personal loans restructured in TDR programs include $4 million and $6 million at September 30, 2021 and December 31, 2020, respectively, which are also included in loans 90 or more days delinquent.
The 30-day and 90-day delinquency rates in the table above include all loans, including TDRs, modified loans exempt from TDR status and prior modifications that are no longer required to be reported as TDRs. The 30-day and 90-day delinquency rates for credit card and personal loans at September 30, 2021, decreased compared to December 31, 2020, primarily due to the impacts of government stimulus and disaster relief programs. Additionally, the 30-day and 90-day delinquency rates for personal loans were favorably impacted by tighter underwriting standards that were implemented in early 2020. The 30-day and 90-day delinquency rate for private student loans at September 30, 2021, increased compared to December 31, 2020, as the impacts of government stimulus and disaster relief programs began to wane. The increase in the 30-day and 90-day delinquency rate for private student loans was partially offset by an increase in outstanding private student loan receivables resulting from seasonality in originations.
The balance of private student and credit card loans reported as TDRs decreased at September 30, 2021, compared to December 31, 2020, primarily due to the exclusion of accounts qualifying for the exemption from the TDR designation
63
pursuant to the CARES Act and elevated payment rates resulting from the several rounds of government stimulus and associated improvement in household cash flows.
The balance of personal loans reported as TDRs decreased at September 30, 2021, compared to December 31, 2020, due to elevated payment rates resulting from the several rounds of government stimulus and associated improvement in household cash flows. Additionally, enrollments in personal loan modification programs were favorably impacted by tighter underwriting standards that were implemented in early 2020, resulting in a lower balance of personal loans entering into our loan modification programs. To provide additional clarity with respect to credit card loans classified as TDRs, the table above presents loans that are currently enrolled in modification programs separately from loans that have exited those programs but retain that classification.
The following table provides the balance of loan receivables restructured through a temporary loan modification program that were exempt from the TDR designation pursuant to the CARES Act (dollars in millions):
 September 30, 2021December 31, 2020
 $%$%
Credit card loans$1,541 2.19 %$1,351 1.89 %
Private student loans$218 2.14 %$101 1.01 %
Personal loans$54 0.78 %$73 1.02 %
We believe loan modification programs are useful in assisting customers experiencing financial difficulties and help to prevent defaults. We plan to continue to use loan modification programs as a means to provide relief to customers experiencing financial difficulties. See Note 3: Loan Receivables to our condensed consolidated financial statements for additional description of our use of loan modification programs to provide relief to customers experiencing financial hardship.
Modified and Restructured Loans
For information regarding modified and restructured loans, see "— Loan Quality — Delinquencies", "— Loan Quality — Impact of the COVID-19 Pandemic on the Loan Portfolio", "— COVID-19 Pandemic Response and Impact — Loan Receivables and Allowance for Credit Losses" and Note 3: Loan Receivables to our condensed consolidated financial statements.
Other Income
The following table presents the components of other income (dollars in millions):
 For the Three Months Ended September 30,2021 vs 2020
Increase (Decrease)		For the Nine Months Ended September 30,2021 vs. 2020
Increase (Decrease)
20212020$%20212020$%
Discount and interchange revenue, net(1)
$299 $238 $61 26 %$879 $691 $188 27 %
Protection products revenue43 44 (1)(2)%129 135 (6)(4)%
Loan fee income121 100 21 21 %333 304 29 10 %
Transaction processing revenue58 50 8 16 %167 143 24 17 %
Unrealized (losses) gains on equity investments(167)— (167)100 %562 — 562 100 %
Realized gains on equity investments— — — — %— 79 (79)(100)%
Other income18 17 1 6 %47 59 (12)(20)%
Total other income$372 $449 $(77)(17)%$2,117 $1,411 $706 50 %
(1)Net of rewards, including Cashback Bonus rewards, of $689 million and $514 million for the three months ended September 30, 2021 and 2020, respectively, and $1.8 billion and $1.4 billion for the nine months ended September 30, 2021 and 2020, respectively.
Total other income decreased for the three months ended September 30, 2021, as compared to the same period in 2020, primarily due to unrealized losses on equity investments offset by an increase in net discount and interchange revenue and loan fee income. Unrealized losses on equity investments are the result of changes in the fair value of our investments in payment services entities that have actively traded stock. The increase in net discount and interchange revenue was partially
64
offset by an increase in rewards costs, both of which were the result of higher sales volume. Loan fee income increased due to lower late fee charge offs.
Total other income increased for the nine months ended September 30, 2021, as compared to the same period in 2020, primarily due to unrealized gains on equity investments and an increase in net discount and interchange revenue. Unrealized gains on equity investments are the result of investments in payment services entities that are carried at fair value because the shares are actively traded. The increase in discount and interchange revenue was partially offset by an increase in rewards costs, both of which were the result of higher sales volume. The increase in total other income was partially offset by a decrease in realized gains on the sale of equity investments during the prior period.
Other Expense
The following table represents the components of other expense (dollars in millions):
 For the Three Months Ended September 30,2021 vs. 2020
Increase (Decrease)		For the Nine Months Ended September 30,2021 vs. 2020
Increase (Decrease)
 20212020$%20212020$%
Employee compensation and benefits$483 $471 $12 3 %$1,487 $1,390 $97 7 %
Marketing and business development210 140 70 50 %539 500 39 8 %
Information processing and communications121 111 10 9 %375 342 33 10 %
Professional fees198 151 47 31 %567 525 42 8 %
Premises and equipment23 26 (3)(12)%69 83 (14)(17)%
Other expense155 106 49 46 %456 401 55 14 %
Total other expense$1,190 $1,005 $185 18 %$3,493 $3,241 $252 8 %
Total other expense increased for the three months ended September 30, 2021, as compared to the same period in 2020, primarily due to increases in marketing and business development, other expense and professional fees. Marketing and business development increased due to accelerated growth investments primarily in card. The increase in other expense was driven by a legal accrual. The professional fees increase was driven primarily by an increase in recovery fees.
Total other expense increased for the nine months ended September 30, 2021, as compared to the same period in 2020, primarily due to increases in employee compensation and benefits, other expense, professional fees and marketing and business development. Employee compensation and benefits increased as a result of higher bonus accruals and higher average salaries, partially offset by lower headcount. The increase in other expense was driven by a legal accrual. The professional fees increase was driven primarily by an increase in recovery fees. Marketing and business development increased due to accelerated growth investments primarily in card.
Income Tax Expense
The following table presents the calculation of the effective income tax rate (dollars in millions):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Income before income taxes$1,402 $959 $5,703 $420 
Income tax expense$311 $188 $1,321 $78 
Effective income tax rate22.2 %19.6 %23.2 %18.6 %
Income tax expense increased $123 million and $1.2 billion for the three and nine months ended September 30, 2021, respectively, as compared to the same periods in 2020. The increase in income tax expense was primarily driven by an increase in pretax income. The effective tax rate increased for the three and nine months ended September 30, 2021, respectively, as compared to the same periods in 2020, primarily due to tax credits having a lower rate benefit on higher pretax income.
65
Liquidity and Capital Resources
Impact of the COVID-19 Pandemic on Liquidity and Capital
The United States economy has made substantial progress recovering from a brief but severe recession caused by responses to the COVID-19 pandemic, with measures of aggregate output and income expanding for multiple quarters and surpassing their pre-pandemic levels. While the unemployment rate has fallen substantially from its pandemic peak, the labor market has not fully recovered from the recession. Nonfarm payroll employment and labor force participation rates, important indicators in the Federal Reserve's monetary policy considerations, remain below pre-pandemic levels. However, job openings have reached record highs, suggesting that the labor market recovery will continue.
We remain well-capitalized with capital ratios in excess of regulatory minimums and our own internal targets. Consequently, we resumed our common stock repurchase program during the first quarter of 2021. However, we maintain ample capital to finance loan receivable growth as and when customers moderate loan payment rates and continue to increase spending as the economy continues to more fully reopen from the COVID-19 pandemic.
Our level of liquid assets remains in excess of historical norms as of September 30, 2021 as consumer loan payment rates and deposit balances remain above their pre-pandemic levels. Although these factors have curtailed our need for wholesale funding, we maintain good access to all of our diverse funding channels. Credit spreads have tightened materially this year, nearing record-low levels as of September 30, 2021. We took advantage of the low-rate, tight-credit-spread environment by issuing approximately $1.8 billion of credit card asset-backed securities in September 2021.
Funding and Liquidity
We seek to maintain stable, diversified and cost-effective funding sources and a strong liquidity profile to fund our business and repay or refinance our maturing obligations under normal operating conditions and periods of economic or financial stress. In managing our liquidity risk, we seek to maintain a prudent liability maturity profile and ready access to an ample store of primary and contingent liquidity sources. Our primary funding sources include direct-to-consumer and brokered deposits, public term asset-backed securitizations and other short-term and long-term borrowings. Our primary liquidity sources include a liquidity portfolio comprised of highly liquid, unencumbered assets, including cash and cash equivalents and investment securities, as well as secured borrowing capacity through private term asset-backed securitizations and Federal Home Loan Bank ("FHLB") advances. In addition, we have unused borrowing capacity with the Federal Reserve discount window, which provides another source of contingent liquidity.
Funding Sources
Deposits
We offer deposit products to customers through two channels: (i) through direct marketing, internet origination and affinity relationships ("direct-to-consumer deposits"); and (ii) indirectly through contractual arrangements with securities brokerage firms ("brokered deposits"). Direct-to-consumer deposits include online savings accounts, certificates of deposit, money market accounts, IRA savings accounts, IRA certificates of deposit and checking/debit accounts. Brokered deposits include certificates of deposit and sweep accounts. In December 2020, the Federal Deposit Insurance Corporation ("FDIC") issued the final rule on revisions to its regulations on brokered deposits. Under the FDIC's final rule, our regulatory reporting must reflect changes to the categorization of deposits beginning January 1, 2022. We are evaluating those changes. In accordance with the final rule, certain retail deposit products such as affinity deposits and deposits generated through certain sweep deposit relationships may no longer be categorized as brokered for regulatory reporting purposes in the future. At September 30, 2021, we had $62.0 billion of direct-to-consumer deposits and $10.6 billion of brokered deposits.
Credit Card Securitization Financing
We securitize credit card receivables as a source of funding. We access the asset-backed securitization market using the Discover Card Master Trust I ("DCMT") and the Discover Card Execution Note Trust ("DCENT"). In connection with our securitization transactions, credit card receivables are transferred to DCMT. DCMT has issued a certificate representing the beneficial interest in its credit card receivables to DCENT. We issue DCENT DiscoverSeries notes in public and private transactions, which are collateralized by the beneficial interest certificate held by DCENT. From time to time, we may add credit card receivables to DCMT to create sufficient funding capacity for future securitizations while managing seller's interest. We retain significant exposure to the performance of the securitized credit card receivables through holdings of the seller's interest and subordinated classes of DCENT DiscoverSeries notes. At September 30, 2021, we had $8.9 billion of
66
outstanding public asset-backed securities and $4.0 billion of outstanding subordinated asset-backed securities that had been issued to our wholly-owned subsidiaries.
The securitization structures include certain features designed to protect investors. The primary feature relates to the availability and adequacy of cash flows in the securitized pool of receivables to meet contractual requirements, the insufficiency of which triggers early repayment of the securities. We refer to this as "economic early amortization," which is based on excess spread levels. Excess spread is the amount by which income received with respect to the securitized credit card receivables during a collection period including interest collections, fees and interchange, exceeds the fees and expenses of DCENT during such collection period, including interest expense, servicing fees and charged-off receivables. In the event of an economic early amortization, which would occur if the excess spread fell below 0% on a three-month rolling average basis, we would be required to repay all outstanding securitized borrowings using available collections received with respect to the securitized credit card receivables. For the three months ended September 30, 2021, the DiscoverSeries three-month rolling average excess spread was 14.92%. The period of ultimate repayment would be determined by the amount and timing of collections received.
Through our wholly-owned indirect subsidiary, Discover Funding LLC, we are required to maintain an interest in a contractual minimum level of receivables in DCMT in excess of the face value of outstanding investors' interests. This minimum interest is referred to as the minimum seller's interest. The required minimum seller's interest in the pool of trust receivables is approximately 7% in excess of the total investors' interests, which includes interests held by third parties as well as those interests held by us. If the level of receivables in DCMT were to fall below the required minimum, we would be required to add receivables from the unrestricted pool of receivables, which would increase the amount of credit card receivables restricted for securitization investors. A decline in the amount of the excess seller's interest could occur if balance repayments and charge offs exceeded new lending on the securitized accounts or as a result of changes in total outstanding investors' interests. Seller's interest exhibits seasonality as higher receivable balance repayments tend to occur in the first calendar year quarter. If we could not add enough receivables to satisfy the minimum seller's interest requirement, an early amortization (or repayment) of investors' interests would be triggered.
An early amortization event would impair our liquidity and may require us to utilize our available non-securitization-related contingent liquidity or rely on alternative funding sources, which may or may not be available at the time. We have several strategies we can deploy to prevent an early amortization event. For instance, we could add additional receivables to DCMT, which would reduce our available borrowing capacity at the Federal Reserve discount window. As of September 30, 2021, there were $24.5 billion of credit card receivables in the trust and no accounts were added to those restricted for securitization investors for the three and nine months ended September 30, 2021. Alternatively, we could employ structured discounting, which was used effectively in 2009 to bolster excess spread and mitigate early amortization risk.
The following table summarizes expected contractual maturities of the investors' interests in credit card securitizations, excluding those that have been issued to our wholly-owned subsidiaries (dollars in millions):
At September 30, 2021TotalLess Than
One Year		One Year
Through
Three Years		Four Years
Through
Five Years		After Five
Years
Scheduled maturities of long-term borrowings - owed to credit card securitization investors$8,954 $2,560 $5,796 $598 $— 
The "AAA(sf)" and "Aaa(sf)" ratings of the DCENT DiscoverSeries Class A Notes issued to date have been based, in part, on an FDIC rule, which created a safe harbor that provides that the FDIC, as conservator or receiver, will not use its power to disaffirm or repudiate contracts, seek to reclaim or recover assets transferred in connection with a securitization, or recharacterize assets transferred in connection with a securitization as assets of the insured depository institution, provided such transfer satisfies the conditions for sale accounting treatment under previous GAAP. Although the implementation of Financial Accounting Standards Board ("FASB") Accounting Standards Codification Topic 860, Transfers and Servicing, no longer qualified certain transfers of assets for sale accounting treatment, the FDIC approved a final rule that preserved the safe-harbor treatment applicable to revolving trusts and master trusts, including DCMT, so long as those trusts would have satisfied the original FDIC safe harbor if evaluated under GAAP pertaining to transfers of financial assets in effect prior to December 2009. However, other legislative and regulatory developments may impact our ability or desire to issue asset-backed securities in the future.
67
Federal Home Loan Bank Advances
Discover Bank is a member bank of the FHLB of Chicago, one of 11 FHLBs that, along with the Office of Finance, compose the FHLB System. The FHLBs are government-sponsored enterprises of the United States of America ("U.S. GSEs") chartered to improve the availability of funds to support home ownership. As such, senior debt obligations of the FHLBs feature the same credit ratings as United States Treasury securities and are considered high-quality liquid assets for bank regulatory purposes. Consequently, the FHLBs benefit from consistent capital market access during nearly all macroeconomic and financial market conditions and low funding costs, which they pass on to their member banks when they borrow advances. Thus, we consider FHLB advances a stable and reliable funding source for Discover Bank for short-term contingent liquidity and long-term asset-liability management.
As a member of the FHLB of Chicago, Discover Bank has access to short- and long-term advance structures with maturities ranging from overnight to 30 years. At September 30, 2021, we had approximately $1.3 billion of borrowing capacity through the FHLB of Chicago based on the amount and type of assets pledged. As of September 30, 2021, there were no borrowings outstanding with the FHLB of Chicago. Under certain stressed conditions, we could pledge our liquidity portfolio securities and borrow against them at a modest reduction to their value.
Other Long-Term Borrowings—Private Student Loans
At September 30, 2021, $110 million of principal was outstanding on securitized debt assumed as part of our acquisition of The Student Loan Corporation. Principal and interest payments on the underlying private student loans will reduce the balance of these secured borrowings over time.
Other Long-Term Borrowings—Corporate and Bank Debt
The following table provides a summary of Discover Financial Services (Parent Company) and Discover Bank outstanding fixed-rate debt (dollars in millions):
At September 30, 2021Principal Amount Outstanding
Discover Financial Services (Parent Company) fixed-rate senior notes, maturing 2022-2027$3,422 
Discover Financial Services (Parent Company) fixed-rate retail notes, maturing 2022-2031$168 
Discover Bank fixed-rate senior bank notes, maturing 2023-2030$5,350 
Discover Bank fixed-rate subordinated bank notes, maturing 2028$500 
Certain Discover Financial Services senior notes require us to offer to repurchase the notes at a price equal to 101% of their aggregate principal amount plus accrued and unpaid interest in the event of a change of control involving us and corresponding ratings downgrade below investment grade.
Short-Term Borrowings
As part of our regular funding strategy, we may, from time to time, borrow short-term funds in the federal funds market or the repurchase ("repo") market through repurchase agreements. Federal funds are short-term, unsecured loans between banks or other financial entities with a Federal Reserve account. Funds borrowed in the repo market are short-term, collateralized loans, usually secured with highly-rated investment securities such as United States Treasury bills or notes, or mortgage bonds or debentures issued by government agencies or U.S. GSEs. At September 30, 2021, there were no outstanding balances in the federal funds market or under repurchase agreements. Additionally, the FHLB of Chicago offers short-term advance structures that we may use for short-term liquidity needs. At September 30, 2021, there were no outstanding short-term advances from the FHLB.
Additional Funding Sources
Private Asset-Backed Securitizations
We have access to committed borrowing capacity through privately placed asset-backed securitizations. While we may utilize funding from these private securitizations from time to time for normal business operations, their committed nature also makes them a reliable contingency funding source. Therefore, we reserve some undrawn capacity, informed by our liquidity stress test results, for potential contingency funding needs. At September 30, 2021, we had a total committed
68
capacity of $4.0 billion, none of which was drawn. We seek to ensure the stability and reliability of these securitizations by staggering their maturity dates, renewing them approximately one year prior to their scheduled maturity dates and periodically drawing them for operational tests and seasonal funding needs.
Federal Reserve
Discover Bank has access to the Federal Reserve Bank of Philadelphia's discount window. As of September 30, 2021, Discover Bank had $32.7 billion of available borrowing capacity through the discount window based on the amount and type of assets pledged, primarily consumer loans. As of September 30, 2021, we have no borrowings outstanding under the discount window and reserve this capacity as a source of contingent liquidity.
Funding Uses
Our primary uses of funds include the extensions of loans and credit, primarily through Discover Bank; the purchase of investment securities for our liquidity portfolio; working capital; and debt and capital service. We assess funding uses and liquidity needs under stressed and normal operating conditions, considering primary uses of funding, such as on-balance sheet loans and contingent uses of funding, such as the need to post additional collateral for derivatives positions. To anticipate funding needs under stress, we conduct liquidity stress tests to assess the impact of idiosyncratic, systemic and hybrid (i.e., idiosyncratic and systemic) scenarios with varying levels of liquidity risk reflecting a range of stress severity.
Credit Ratings
Our borrowing costs and capacity in certain funding markets, including those for securitizations and unsecured senior and subordinated debt, may be affected by the credit ratings of DFS, Discover Bank and the securitization trusts. Downgrades in these credit ratings could result in higher interest expense on our unsecured debt and asset securitizations, as well as higher credit enhancement requirements for both our public and private asset securitizations. In addition to increased funding costs, deterioration in credit ratings could reduce our borrowing capacity in the unsecured debt and asset securitization capital markets.
When the COVID-19 pandemic emerged in 2020, rating agencies cited their expectation that the banking industry would experience heightened loan delinquencies and charge offs from deterioration in the labor market. During the second quarter of 2020, Moody’s, Standard and Poor’s and Fitch Ratings affirmed our credit ratings. Standard and Poor’s and Fitch changed the outlook on DFS' and Discover Bank's senior unsecured credit ratings from “stable” to “negative” while Moody’s retained a “stable” outlook on the credit ratings of each. On March 25, 2021, Standard and Poor's upgraded the outlook on DFS' and Discover Bank's senior unsecured debt from "negative" to "stable," recognizing better-than-expected operating performance in 2020 and our strong loss-absorbing capacity. For similar reasons, on May 3, 2021, Fitch Ratings also affirmed the credit ratings on DFS' and Discover Bank's senior unsecured debt and revised its outlook on those ratings from "negative" to "stable." Moreover, on May 27, 2021, Moody's affirmed its credit ratings for DFS and Discover Bank while upgrading its outlook on those ratings from "stable" to "positive." On July 12, 2021, Moody's upgraded Discover Bank's long-term subordinate debt rating to "Baa2" from "Baa3", driven by revisions to their Advanced Loss Given Failure analysis. The table below reflects our current credit ratings and outlooks.
Moody's Investors ServiceStandard & Poor'sFitch
Ratings
Discover Financial Services
Senior unsecured debtBaa3BBB-BBB+
Outlook for Discover Financial Services senior unsecured debtPositiveStableStable
Discover Bank
Senior unsecured debtBaa2BBBBBB+
Outlook for Discover Bank senior unsecured debtPositiveStableStable
Subordinated debtBaa2BBB-BBB
Discover Card Execution Note Trust
Class A(1)
Aaa(sf)AAA(sf)AAA(sf)
(1)An "sf" in the rating denotes rating agency identification for structured finance product ratings.
A credit rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time by the assigning rating organization. Each rating should be evaluated independently of any other rating. A credit
69
rating outlook reflects an agency's opinion regarding the likely rating direction over the medium term, often a period of about a year, and indicates the agency's belief that the issuer's credit profile is consistent with its current rating level at that point in time.
Liquidity
We seek to ensure that we have adequate liquidity to sustain business operations, fund asset growth and satisfy debt obligations under stressed and normal operating conditions. In addition to the funding sources discussed in the previous section, we also maintain highly liquid, unencumbered assets in our liquidity portfolio that we expect to be able to convert to cash quickly and with little loss of value using either the repo market or outright sales.
We maintain a liquidity risk and funding management policy, which outlines the overall framework and general principles we follow in managing liquidity risk across our business. The Board of Directors approves the policy and the Asset and Liability Management Committee (the "ALCO") is responsible for its implementation. Additionally, we maintain a liquidity management framework document that outlines the general strategies, objectives and principles we utilize to manage our liquidity position and the various liquidity risks inherent in our business model. We seek to balance the trade-offs between maintaining too much liquidity, which may be costly, with having too little liquidity, which could cause financial distress. The ALCO, chaired by our Treasurer with cross-functional membership, centrally manages liquidity risk. The ALCO monitors the liquidity risk profiles of DFS and Discover Bank and oversees any actions Corporate Treasury may take to ensure that we maintain ready access to our funding sources and sufficient liquidity to meet current and projected needs. In addition, the ALCO and our Board of Directors regularly review our compliance with our liquidity limits at DFS and Discover Bank, which are established in accordance with the liquidity risk appetite set by our Board of Directors.
We employ a variety of metrics to monitor and manage liquidity. We utilize early warning indicators ("EWIs") to detect emerging liquidity stress events and a reporting and escalation process designed to be consistent with regulatory guidance. The EWIs include both idiosyncratic and systemic measures and are monitored daily and reported to the ALCO regularly. A warning from one or more of these indicators triggers prompt review and decision-making by our senior management team and, in certain instances, may lead to the convening of a senior-level response team and activation of our contingency funding plan.
In addition, we conduct liquidity stress tests regularly and ensure contingency funding is in place to address potential liquidity shortfalls. We evaluate a range of stress scenarios that are designed according to regulatory requirements, including idiosyncratic, systemic and a combination of such events that could impact funding sources and our ability to meet liquidity needs. These scenarios measure the projected liquidity position at DFS and Discover Bank across a range of time horizons by comparing estimated contingency funding needs to available contingent liquidity.
Our primary contingent liquidity sources include our liquidity portfolio securities, which we could sell, repo or borrow against, and private securitizations with unused borrowing capacity. In addition, we could borrow FHLB advances by pledging securities to the FHLB of Chicago. Moreover, we have unused borrowing capacity with the Federal Reserve discount window, which provides an additional source of contingent liquidity. We seek to maintain sufficient liquidity to satisfy all maturing obligations and fund business operations for at least 12 months in a severe stress environment. In such an environment, we may also take actions to curtail the size of our balance sheet, which would reduce the need for funding and liquidity.
At September 30, 2021, our liquidity portfolio is comprised of highly liquid, unencumbered assets, including cash and cash equivalents and investment securities. Cash and cash equivalents were primarily deposits with the Federal Reserve and United States Treasury bills. Investment securities primarily included debt obligations of the United States Treasury and U.S. GSEs and residential mortgage-backed securities ("RMBS") issued by United States government agencies or U.S. GSEs. These investments are considered highly liquid and we expect to have the ability to raise cash by selling them, utilizing repurchase agreements or pledging certain of these investments to access secured funding. The size and composition of our liquidity portfolio may fluctuate based on the size of our balance sheet as well as operational requirements, market conditions and interest rate risk management policies. For instance, our liquidity portfolio grew during 2020 as our customer deposits increased and our loan balances declined, reflecting consumers’ response to the COVID-19 pandemic.
70
At September 30, 2021, our liquidity portfolio and undrawn credit facilities were $58.0 billion, which is $5.3 billion lower than the balance at December 31, 2020. Our liquidity portfolio and undrawn credit facilities shrunk in the third quarter of 2021 due to the redemption or maturity of some of our outstanding retail notes, senior bank notes, and securitized debt and lower aggregate direct-to-consumer deposit balances resulting from reduced marketing and lower deposit pricing. During the three and nine months ended September 30, 2021, the average balance of our liquidity portfolio was $20.9 billion and $25.3 billion, respectively. Our liquidity portfolio and undrawn facilities consist of the following (dollars in millions):
September 30,
2021		December 31,
2020
Liquidity portfolio
Cash and cash equivalents(1)
$11,984 $12,675 
Other short-term investments— 2,200 
Investment securities(2)
7,962 9,536 
Total liquidity portfolio19,946 24,411 
Private asset-backed securitizations(3)
4,000 6,000 
Federal Home Loan Bank of Chicago1,341 — 
Primary liquidity sources25,287 30,411 
Federal Reserve discount window(3)
32,719 32,930 
Total liquidity portfolio and undrawn credit facilities$58,006 $63,341 
(1)Cash in the process of settlement and restricted cash are excluded from cash and cash equivalents for liquidity purposes.
(2)Excludes $56 million and $117 million of United States Treasury securities that have been pledged as swap collateral in lieu of cash as of September 30, 2021 and December 31, 2020, respectively.
(3)See "— Additional Funding Sources" for additional information.
Bank Holding Company Liquidity
The primary uses of funds at the unconsolidated DFS level include debt service obligations (interest payments and return of principal) and capital service and management activities, including dividend payments on capital instruments and the periodic repurchase of shares of our common stock. Our primary sources of funds at the bank holding company level include the proceeds from the issuance of unsecured debt and capital securities, as well as dividends from our subsidiaries, notably Discover Bank. Under periods of idiosyncratic or systemic stress, the bank holding company could lose or experience impaired access to the capital markets. In addition, our regulators have the discretion to restrict dividend payments from Discover Bank to the bank holding company.
We utilize a measure referred to as "Number of Months of Pre-Funding" to determine the length of time DFS can meet upcoming funding obligations, including common and preferred stock dividend payments and debt service obligations using existing cash resources. In managing this metric, we structure our debt maturity schedule to manage prudently the amount of debt maturing within a short period. See Note 7: Long-Term Borrowings to our condensed consolidated financial statements for further information regarding our debt.
Capital
Our primary sources of capital are the earnings generated by our businesses and the proceeds from issuances of capital securities. We seek to manage capital to a level and composition sufficient to support our businesses' growth and risks and to meet regulatory requirements, rating agency targets and debt investor expectations. Within these constraints, we are focused on deploying capital in a manner that provides attractive returns to our stockholders. The level, composition and utilization of capital are influenced by changes in the economic environment, strategic initiatives and legislative and regulatory developments.
Under regulatory capital requirements adopted by the Federal Reserve and the FDIC, DFS, along with Discover Bank, must maintain minimum capital levels. Failure to meet minimum capital requirements can result in the initiation of certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could limit our business activities and have a direct material effect on our financial condition and operating results. We must meet specific capital requirements that involve quantitative measures of assets, liabilities and certain off-balance sheet items, as calculated under regulatory guidance and regulations. Current or future legislative or regulatory reforms, such as the adoption of the Current Expected Credit Loss ("CECL") accounting model, may require us to hold more capital or adversely impact our capital level. We consider the potential impacts of these reforms in managing our capital position.
71
DFS and Discover Bank are subject to regulatory capital rules issued by the Federal Reserve and the FDIC, respectively, under the Basel Committee's December 2010 framework ("Basel III rules"). Under the Basel III rules, DFS and Discover Bank are classified as "standardized approach" entities as they are United States banking organizations with consolidated total assets over $50 billion but not exceeding $250 billion and consolidated total on-balance sheet foreign exposures less than $10 billion. The Basel III rules require DFS and Discover Bank to maintain minimum risk-based capital and leverage ratios and define what constitutes capital for purposes of calculating those ratios.
On March 27, 2020, federal bank regulatory agencies announced an interim and now final rule that allows banks that have implemented the CECL accounting model to delay the estimated impact of CECL on regulatory capital for two years, followed by a three-year transition period. For purposes of calculating regulatory capital, we have elected to defer recognition of the estimated impact of CECL on regulatory capital for two years in accordance with the final rule; after that period of deferral, the estimated impact of CECL on regulatory capital will be phased in over three years, beginning in 2022. We estimate that electing this option raised our Common Equity Tier 1 ("CET1") capital ratios in 2020 and 2021. For additional information regarding the risk-based capital and leverage ratios, see Note 12: Capital Adequacy to our condensed consolidated financial statements.
On March 4, 2020, the Federal Reserve announced the SCB final rule, which imposes limitations on DFS' capital distributions if we do not maintain our capital ratios above stated regulatory minimum ratios based on the results of supervisory stress tests. Under this rule, DFS is required to assess whether our planned capital actions are consistent with the effective capital distribution limitations that will apply on a pro-forma basis throughout the planning horizon. The SCB reflects the difference between DFS' actual CET1 ratio at the beginning of the forecast and the projected minimum CET1 ratio based on the Federal Reserve's models in its nine-quarter severely adverse stress scenario, plus the impact to capital of four quarters of planned common stock dividend distributions. The Federal Reserve sets and adjusts firms’ respective SCB requirements based on the results of supervisory stress tests conducted as part of the Federal Reserve’s annual CCAR. On August 5, 2021, the Federal Reserve notified DFS of its adjusted SCB requirement based on the 2021 CCAR exercise; DFS’ SCB, effective October 1, 2021, is 3.6%, a slight increase from our SCB in effect for the preceding year, which was 3.5%. DFS is required to submit an annual capital plan as part of the Federal Reserve’s capital stress test process. DFS was not subject to the supervisory stress test (also referred to as CCAR) in 2021, but will be in 2022. DFS' required 2021 capital plan submission employed a forward-looking internal assessment of income and capital under baseline and stressful conditions. The 2021 capital plan was submitted to the Federal Reserve on April 5, 2021 and covered the January 1, 2021 to March 31, 2023 forecast horizon. See "— Regulatory Environment and Developments — Banking — Capital Standards and Stress Testing" for additional information. At September 30, 2021, DFS and Discover Bank met the requirements for "well-capitalized" status under the Federal Reserve's Regulation Y and the prompt corrective action rules and corresponding FDIC requirements, respectively, exceeding the regulatory minimums to which they were subject under the applicable rules.
Basel III rules also require disclosures relating to market discipline. This series of disclosures is commonly referred to as "Pillar 3." The objective is to increase the transparency of capital requirements for banking organizations. We are required to make prescribed regulatory disclosures quarterly regarding our capital structure, capital adequacy, risk exposures and risk-weighted assets. We make the Pillar 3 disclosures publicly available on our website in a report called "Basel III Regulatory Capital Disclosures."
We disclose tangible common equity, which represents common equity less goodwill and intangibles. Management believes that common stockholders' equity excluding goodwill and intangibles is meaningful to investors as a measure of our true net asset value. At September 30, 2021, tangible common equity is considered to be a non-GAAP financial measure as it is not formally defined by GAAP or codified in the federal banking regulations. Other financial services companies may also disclose this measure and definitions may vary. We advise users of this information to exercise caution in comparing this measure for different companies.
72
The following table provides a reconciliation of total common stockholders' equity (a GAAP financial measure) to tangible common equity (dollars in millions):
September 30,
2021		December 31,
2020
Total common stockholders' equity(1)
$12,207 $9,828 
Less: goodwill(255)(255)
Less: intangible assets, net(1)(95)
Tangible common equity$11,951 $9,478 
(1)Total common stockholders' equity is calculated as total stockholders' equity less preferred stock.
Our Board of Directors declared common stock dividends during 2021 and 2020 as follows:
Declaration DateRecord DatePayment DateDividend per Share
2021
October 19, 2021November 24, 2021December 09, 2021$0.50 
July 20, 2021August 19, 2021September 02, 2021$0.50 
April 20, 2021May 20, 2021June 03, 2021$0.44 
January 19, 2021February 18, 2021March 04, 2021$0.44 
2020
October 20, 2020November 19, 2020December 03, 2020$0.44 
July 21, 2020August 20, 2020September 03, 2020$0.44 
April 21, 2020May 21, 2020June 04, 2020$0.44 
January 21, 2020February 20, 2020March 05, 2020$0.44 
In light of the pandemic-induced economic downturn in 2020, the Federal Reserve required all large banks participating in the CCAR supervisory stress test to cap common stock dividends at the lower of the prior quarter's dividend or the average of a firm’s net income over the preceding four quarters. The Federal Reserve lifted this restriction as of July 1, 2021. As a result, our Board of Directors declared a common stock dividend of $0.50 per share on July 20, 2021, an increase of $0.06 per share from the previous rate of $0.44 per common share. See "— Regulatory Environment and Developments — Banking — Capital Standards and Stress Testing" for additional information.
Our Board of Directors declared Series C preferred stock dividends during 2021 and 2020 as follows:
Declaration DateRecord DatePayment DateDividend per Depositary Share
2021
July 20, 2021October 15, 2021November 01, 2021$27.50 
January 19, 2021April 15, 2021April 30, 2021$27.50 
2020
July 21, 2020October 15, 2020October 30, 2020$27.50 
January 21, 2020April 15, 2020April 30, 2020$27.50 
Our Board of Directors declared Series D preferred stock dividends during 2021 as follows:
Declaration DateRecord DatePayment DateDividend per Depositary Share
2021
July 20, 2021September 08, 2021September 23, 2021$30.63 
January 19, 2021(1)
March 08, 2021March 23, 2021$46.11 
(1)The dividend includes $30.63 semi-annual dividend per depositary share plus $15.48 to account for the long first dividend period.
73
In light of the improved macroeconomic conditions and our strong financial results, our Board of Directors approved a new share repurchase program in July 2021. The new program authorizes up to $2.4 billion of share repurchases through March 31, 2022. This share repurchase authorization replaces our prior $1.1 billion share repurchase program, which was scheduled to expire on December 31, 2021. Our decision to repurchase additional shares of common stock will depend on our financial results, prevailing and expected economic conditions, potential regulatory limitations and other considerations. We use various methods to repurchase shares under the program, including open market purchases, privately negotiated transactions or other purchases, including block trades, accelerated share repurchase transactions, or any combination of such methods. During the three months ended September 30, 2021, we repurchased approximately 6.5 million shares for approximately $813 million. During the nine months ended September 30, 2021, we repurchased 12.4 million shares for approximately $1.5 billion.
The amount and size of any future dividends and share repurchases will depend on our results of operations, financial condition, capital levels, cash requirements, future prospects and other factors. The declaration and payment of future dividends and the amount thereof are subject to the discretion of our Board of Directors. Holders of our shares of common stock are subject to the prior dividend rights of holders of our preferred stock or the depositary shares representing such preferred stock outstanding. No dividend may be declared or paid or set aside for payment on our common stock if full dividends have not been declared and paid on all outstanding shares of preferred stock in any dividend period. In addition, as noted above, banking laws and regulations and our banking regulators may limit our ability to pay dividends and make share repurchases, including limitations on the extent our banking subsidiary (Discover Bank) can provide funds to us through dividends, loans or otherwise. Further, current or future regulatory reforms may require us to hold more capital or could adversely impact our capital level. As a result, there can be no assurance that we will declare and pay any dividends or repurchase any shares of our common stock in the future.
Certain Off-Balance Sheet Arrangements
Guarantees
Guarantees are contracts or indemnification agreements that contingently require us to make payments to a guaranteed party based on changes in an underlying asset, liability, or equity security of a guaranteed party, rate or index. Also included in guarantees are contracts that contingently require the guarantor to make payments to a guaranteed party based on another entity's failure to perform under an agreement. Our guarantees relate to transactions processed on the Discover Network and certain transactions processed by PULSE and Diners Club. See Note 13: Commitments, Contingencies and Guarantees to our condensed consolidated financial statements for further discussion regarding our guarantees.
Contractual Obligations and Contingent Liabilities and Commitments
In the normal course of business, we enter into various contractual obligations that may require future cash payments. Contractual obligations at September 30, 2021, including deposits, long-term borrowings, operating lease obligations, interest payments on fixed-rate debt, purchase obligations and other liabilities, were $94.4 billion. For a description of our contractual obligations, see our annual report on Form 10-K for the year ended December 31, 2020, under "Management's Discussion and Analysis of Financial Condition and Results of Operations — Contractual Obligations and Contingent Liabilities and Commitments."
We extend credit for consumer loans, primarily arising from agreements with customers for unused lines of credit on certain credit cards and certain other loan products, provided there is no violation of conditions established in the related agreement. At September 30, 2021, our unused credit arrangements were approximately $220.1 billion. We can terminate substantially all of these arrangements at any time and therefore the arrangements do not necessarily represent future cash requirements. The arrangements are periodically reviewed based on account usage, customer creditworthiness and loan qualification. In addition, in the ordinary course of business, we guarantee payment on behalf of subsidiaries relating to contractual obligations with external parties. The activities of the subsidiaries covered by any such guarantees are included in our condensed consolidated financial statements.
74
Item 3.     Quantitative and Qualitative Disclosures About Market Risk
Market risk refers to the risk that a change in the level of one or more market prices, rates, indices, correlations or other market factors will result in losses for an investment position or portfolio. We are exposed to market risk primarily from changes in interest rates.
Interest Rate Risk
We borrow money from various depositors and institutions to provide loans to our customers and invest in other assets and our business. These loans to customers and other assets earn interest, which we use to pay interest on the money borrowed. Our net interest income and, therefore, earnings will be reduced if the interest rate earned on assets increases at a slower pace than the interest rate paid on our borrowings. Changes in interest rates and our competitors' responses to those changes may influence customer payment rates, loan balances or deposit account activity. As a result, we may incur higher funding costs that could decrease our earnings.
Our interest rate risk management policies are designed to measure and manage the potential volatility of earnings that may arise from changes in interest rates by having a portfolio that reflects our mix of variable- and fixed-rate assets and liabilities. To the extent that the repricing characteristics of the assets and liabilities in a particular portfolio are not sufficiently matched, we may utilize interest rate derivative contracts, such as swap agreements, to achieve our objectives. Interest rate swap agreements effectively convert the underlying asset or liability from fixed- to floating-rate or from floating- to fixed-rate. See Note 16: Derivatives and Hedging Activities to our condensed consolidated financial statements for information on our derivatives activity.
We use an interest rate sensitivity simulation to assess our interest rate risk exposure. For purposes of presenting the possible earnings effect of a hypothetical, adverse change in interest rates over the 12 months from our reporting date, we assume that all interest rate sensitive assets and liabilities will be impacted by a hypothetical, immediate 100 basis point change in interest rates relative to market consensus expectations as of the beginning of the period. The sensitivity is based on the hypothetical assumption that all relevant types of interest rates would change instantaneously, simultaneously and to the same degree.
Our interest-rate-sensitive assets include our variable-rate loan receivables and certain assets in our liquidity portfolio. We have limitations on our ability to mitigate interest rate risk by adjusting rates on existing balances. Further, competitive actions may limit our ability to increase the rates that we charge to customers for new loans. At September 30, 2021, the majority of our credit card and private student loans charge variable rates. Fixed-rate assets that will mature or otherwise contractually reset to a market-based indexed rate or other fixed-rate prior to the end of the 12-month measurement period are considered to be rate sensitive. The latter category includes certain revolving credit card loans that may be offered at below-market rates for an introductory period, such as balance transfers and special promotional programs, after which the loans will contractually reprice in accordance with our normal market-based pricing structure. For assets with a fixed interest rate that contractually will, or is assumed to, reset to a market-based indexed rate or other fixed rate during the next 12 months, earnings sensitivity is measured from the expected repricing date. In addition, for all interest rate sensitive assets, earnings sensitivity is calculated net of expected credit losses. For purposes of this analysis, expected credit losses are assumed to remain unchanged relative to our baseline expectations over the analysis horizon.
Interest-rate-sensitive liabilities are assumed to be those for which the stated interest rate is not contractually fixed for the next 12 months. Thus, liabilities that vary with changes in a market-based index, such as the federal funds rate or London Interbank Offered Rate ("LIBOR"), which will reset before the end of the next 12 months, or liabilities that have fixed rates at the fiscal period end but will mature and are assumed to be replaced with a market-based indexed rate prior to the end of the 12 months, are also considered to be rate sensitive. For these fixed-rate liabilities, earnings sensitivity is measured from the expected maturity date.
Net interest income sensitivity requires assumptions regarding market conditions, consumer behavior and overall growth and composition of the balance sheet. The degree by which our deposit rates change when benchmark interest rates change, our deposit “beta,” is one of the most significant of these assumptions. Assumptions about deposit beta and other matters are inherently uncertain and, as a result, actual earnings may differ from the simulated earnings presented below. Our actual earnings depend on multiple factors including, but not limited to, the direction and timing of changes in interest rates, the movement of short-term interest rates relative to long-term rates, balance sheet composition, competitor actions affecting pricing decisions in our loans and deposits and strategic actions undertaken by our management.
75
Our current short-term interest rate risk position is modestly asset-sensitive. We believe this position is prudent given that benchmark interest rates remain well below historical levels. The following table shows the impacts to net interest income over the following 12-month period that we estimate would result from an immediate and parallel change in interest rates affecting all interest rate sensitive assets and liabilities (dollars in millions):
At September 30, 2021At December 31, 2020
Basis point change$%$%
+100$158 1.59 %$153 1.55 %
-100NMNMNMNM
We have not provided an estimate of any impact on net interest income of a decrease in interest rates at September 30, 2021 and December 31, 2020, as many of our interest rate sensitive assets and liabilities are tied to interest rates (i.e., Prime and Federal Funds) that are already at or near their historical minimum levels and, therefore, could not materially decrease further assuming U.S. market interest rates remain above zero percent. Sustained negative interest rates for an economy with the size and complexity of the United States would likely lead to broad macroeconomic impacts that are difficult to foresee. While there is a possibility that United States market interest rates could fall below zero percent, this has never occurred in the United States.
Item 4.     Controls and Procedures
Evaluation of Disclosure Controls and Procedures
Under the supervision and with the participation of our management, including our Chief Executive Officer and Chief Financial Officer, we conducted an evaluation of the effectiveness of our disclosure controls and procedures (as defined in Rule 13a-15(e) and 15d-15(e) of the Securities Exchange Act of 1934, as amended (the "Exchange Act")), which are designed to ensure that information required to be disclosed by us in the reports that we file or submit under the Exchange Act is recorded, processed, summarized and reported within the time periods specified by the SEC's rules and forms. Disclosure controls and procedures include, without limitation, controls and procedures designed to ensure that information required to be disclosed by us in the reports that we file or submit under the Exchange Act is accumulated and communicated to our management, including our Chief Executive Officer and Chief Financial Officer, as appropriate to allow timely decisions regarding required disclosure. Based on this evaluation, our Chief Executive Officer and Chief Financial Officer concluded that our disclosure controls and procedures were effective as of the end of the period covered by this report.
Changes in Internal Control over Financial Reporting
There have been no changes in our internal control over financial reporting (as such term is defined in Exchange Act Rule 13a-15(f) and 15d-15(f)) that occurred during the period covered by this report that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.
76
Glossary of Acronyms
•ALCO: Asset and Liability Management Committee
•AOCI: Accumulated Other Comprehensive Income (Loss)
•ARPA: American Rescue Plan Act of 2021
•ARRC: Alternative Reference Rates Committee
•ASC: Accounting Standards Codification
•ASU: Accounting Standards Update
•CARES Act: Coronavirus Aid, Relief, and Economic Security Act
•CCAR: Comprehensive Capital Analysis and Review
•CCPA: California Consumer Privacy Act
•CECL: Current Expected Credit Loss
•CET1: Common Equity Tier 1
•CFPB: Consumer Financial Protection Bureau
•COVID-19: Coronavirus Disease 2019
•CPPA: California Privacy Protection Agency
•CPRA: California Privacy Rights Act
•DCENT: Discover Card Execution Note Trust
•DCMT: Discover Card Master Trust
•DFS: Discover Financial Services
•EPS: Earnings Per Share
•EWI: Early Warning Indicator
•FASB: Financial Accounting Standards Board
•FCA: UK Financial Conduct Authority
•FDIC: Federal Deposit Insurance Corporation
•FHLB: Federal Home Loan Bank
•GAAP: Accounting Principles Generally Accepted in the United States
•IRS: Internal Revenue Service
•LIBOR: London Interbank Offered Rate
•OCI: Other Comprehensive Income (Loss)
•OIS: Overnight Index Swap
•RMBS: Residential Mortgage-Backed Securities
•SaP: Skip-a-Pay (payment deferral) programs
•SCB: Stress Capital Buffer
•SEC: Securities and Exchange Commission
•SOFR: Secured Overnight Financing Rate
•TDR: Troubled Debt Restructuring
•USD: United States Dollar
•U.S. GSE: Government-sponsored Enterprises of the United States of America
•VIE: Variable Interest Entity
77
Part II.     OTHER INFORMATION
Item 1.     Legal Proceedings
For a description of legal proceedings, see Note 14: Litigation and Regulatory Matters to our condensed consolidated financial statements.
Item 1A.     Risk Factors
There have been no material changes to the risk factors disclosed in our annual report on Form 10-K for the year ended December 31, 2020.
Item 2.     Unregistered Sales of Equity Securities and Use of Proceeds
Issuer Purchases of Equity Securities
The following table sets forth information regarding purchases of our common stock related to our share repurchase program and employee transactions made by us or on our behalf during the most recent quarter.
PeriodTotal Number of Shares PurchasedAverage Price Paid Per Share
Total Number of Shares Purchased as Part of Publicly Announced Plan or Program(1)
Maximum Dollar Value of Shares that may yet be purchased under the Plans or Programs (1)
July 1 - 30, 2021
Repurchase program(1)
2,357,484 $121.47 2,357,484 $2,264,036,179 
Employee transactions(2)
467 $123.08 N/AN/A
August 1 - 31, 2021
Repurchase program(1)
1,978,495 $129.35 1,978,495 $2,008,117,290 
Employee transactions(2)
18,294 $125.35 N/AN/A
September 1 - 30, 2021
Repurchase program(1)
2,185,471 $123.84 2,185,471 $1,737,477,898 
Employee transactions(2)
334 $122.99 N/AN/A
Total
Repurchase program(1)
6,521,450 $124.65 6,521,450 $1,737,477,898 
Employee transactions(2)
19,095 $125.25 N/AN/A
(1)In January 2021, our Board of Directors approved a share repurchase program authorizing the purchase of up to $1.1 billion of our outstanding shares of common stock. The program expires on December 31, 2021. In July 2021, our Board of Directors approved a new share repurchase program authorizing the purchase of up to $2.4 billion of our outstanding shares of common stock through March 31, 2022. This share repurchase authorization replaces our prior $1.1 billion share repurchase program.
(2)Reflects shares withheld (under the terms of grants under employee stock compensation plans) to offset tax withholding obligations that occur upon the delivery of outstanding shares underlying restricted stock units or upon the exercise of stock options.
78
Item 3.     Defaults Upon Senior Securities
None.
Item 4.     Mine Safety Disclosures
None.
Item 5.    Other Information
On October 28, 2021, the Company’s Board of Directors (the “Board”) approved and adopted, effective immediately, amended and restated bylaws of the Company (the “Amended and Restated Bylaws”) to: (i) provide that stockholder meetings may be held by means of remote communication; (ii) update the procedures for stockholders to call a special meeting; (iii) update the advance notice procedures for director nominations and stockholder proposals; (iv) clarify that the Board selects the chairman of a stockholder meeting in the absence of the Chairman of the Board; (v) add provisions describing how the Board will operate and take actions during an emergency (including, without limitation, a pandemic); and (vi) make certain other clarifications and administrative or conforming revisions.
The preceding summary of the Amended and Restated Bylaws does not purport to be complete and is qualified in its entirety by reference to the Amended and Restated Bylaws, a copy of which is included as Exhibit 3.1 to this report and incorporated herein by reference.
Item 6.    Exhibits
See "Exhibit Index" for documents filed herewith and incorporated herein by reference.
Exhibit Index
Exhibit
Number		Description
Amended and Restated Bylaws of Discover Financial Services, as amended and restated on October 28, 2021.
Certification of Chief Executive Officer pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934.
Certification of Chief Financial Officer pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934.
Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 1350 of Chapter 63 of Title 18 of the United States Code.
101Interactive Data File — the following financial statements from Discover Financial Services Quarterly Report on Form 10-Q formatted in inline XBRL: (1) Condensed Consolidated Statements of Financial Condition, (2) Condensed Consolidated Statements of Income, (3) Condensed Consolidated Statements of Comprehensive Income, (4) Condensed Consolidated Statements of Changes in Stockholders' Equity, (5) Condensed Consolidated Statements of Cash Flows and (6) Notes to the Condensed Consolidated Financial Statements.
104Cover Page Interactive Data File — the cover page from Discover Financial Services Quarterly Report on Form 10-Q formatted in inline XBRL and contained in Exhibit 101.

79
Signature
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
Discover Financial Services
(Registrant)
By:
/s/ JOHN T. GREENE
John T. Greene
Executive Vice President, Chief Financial Officer
Date: October 28, 2021
80
 EX-3.1 2 dfsex319302021.htm EX-3.1 Document

Exhibit 3.1
As amended and restated on October 28, 2021
AMENDED AND RESTATED BYLAWS
OF
DISCOVER FINANCIAL SERVICES
(hereinafter called the “Corporation”)
ARTICLE 1.
OFFICES AND RECORDS

Section 1.01.Delaware Office. The principal office of the Corporation in the State of Delaware shall be located in the City of Wilmington, County of New Castle.
Section 1.02.Other Offices. The Corporation may have such other offices, either within or without the State of Delaware, as the Board of Directors may designate or as the business of the Corporation may from time to time require.
Section 1.03.Books and Records. The books and records of the Corporation may be kept at the Corporation’s principal offices or at such other locations inside or outside the State of Delaware.
ARTICLE 2.
STOCKHOLDERS

Section 2.01.Annual Meeting. The annual meeting of the stockholders of the Corporation shall be held at such date, place (if any) and time as may be fixed by resolution of the Board of Directors adopted by the affirmative vote of a majority of the entire Board of Directors.
Section 2.02.Special Meeting. (a) Subject to the rights of the holders of any class or series of preferred stock of the Corporation (the “Preferred Stock”) or any other series or class of stock as set forth in the certificate of incorporation of the Corporation, as amended and restated from time to time (the “Restated Certificate of Incorporation”), special meetings of the stockholders, for any purpose or purposes, may be called at any time only by the Secretary of the Corporation at the direction of the Board of Directors (pursuant to a resolution adopted by the Board of Directors adopted by the affirmative vote of a majority of the entire Board of Directors) or at the written request of stockholders who have, or who are acting on behalf of beneficial owners who have, an aggregate “net long position” of at least 25% of the Common Stock as of the Ownership Record Date (as defined in Section 2.02(b)) and who otherwise comply with the requirements of these amended and restated bylaws (these “Bylaws”); provided that each such stockholder, or beneficial owner directing such stockholder, must have held such “net long position” included in such aggregate amount continuously for the one-year period ending on the Ownership Record Date and must continue to hold such “net long position” through the date of the conclusion of the special meeting (such aggregate “net long position” held for the requisite period, the “Required Percentage”). “Net long position” shall be determined with respect to each stockholder requesting a special meeting and each beneficial owner who is directing a stockholder to act on such owner’s behalf (each stockholder and owner, a “party”) in accordance with the definition thereof set forth in Rule 14e-4 under the Securities Exchange Act of 1934, as amended from time to time, provided that (i) for purposes of such definition, in determining such party’s “short position,” the reference in Rule 14e-4 to “the date that a tender offer is first publicly announced or otherwise made known by the bidder to holders of the security to be acquired” shall be the Ownership Record Date, and the reference to the “highest tender offer price or stated amount of the consideration offered for the subject security” shall refer to the closing sales price of the Corporation’s Common Stock on the New York Stock Exchange (or such other securities exchange designated by the Board of Directors if the Common Stock is not listed for trading on the New York Stock Exchange) on the


Ownership Record Date (or, if such date is not a trading day, the next succeeding trading day) and (ii) the “net long position” of such party shall be reduced by the number of shares as to which the Board of Directors determines that such party does not, or will not, have the right to vote or direct the vote at the special meeting or as to which the Board of Directors determines that such party has entered into any derivative or other agreement, arrangement or understanding that hedges or transfers, in whole or in part, directly or indirectly, any of the economic consequences of ownership of such shares.
(b)Ownership Record Date. No stockholder may demand that the Secretary of the Corporation call a special meeting of the stockholders pursuant to Section 2.02(a) unless a stockholder of record has first submitted a request in writing that the Board of Directors fix a record date to determine the stockholders who are entitled to deliver a written request to call a special meeting (such record date, the “Ownership Record Date”), which request shall be in proper form and delivered to the Secretary of the Corporation at the principal executive offices of the Corporation. A written demand to fix an Ownership Record Date shall include all of the information that must be included in a written request to call a special meeting, as set forth in paragraph (d) of this Section 2.02. The Board of Directors may fix the Ownership Record Date within 10 days of the Secretary’s receipt of a valid demand to fix the Ownership Record Date. The Ownership Record Date shall not precede, and shall not be more than 10 days after, the date upon which the resolution fixing the Ownership Record Date is adopted by the Board of Directors. If an Ownership Record Date is not fixed by the Board of Directors within 10 days of the Secretary’s receipt of a valid demand, the Ownership Record Date shall be the date that the first written request to call a special meeting is received by the Secretary with respect to the proposed business to be submitted for stockholder approval at a special meeting.
(c)Beneficial Ownership. A beneficial owner who wishes to deliver a written request to call a special meeting must cause the nominee or other person who serves as the record stockholder of such beneficial owner’s stock to sign the written request to call a special meeting. If a record stockholder is the nominee for more than one beneficial owner of stock, the record stockholder may deliver a written request to call a special meeting solely with respect to the Common Stock of the Corporation owned by the beneficial owner who is directing the record stockholder to sign such written request to call a special meeting.
(d)Written Requests to Call Special Meeting. Each written request to call a special meeting shall include the following: (i) the signature of the record stockholder submitting such request and the date such request was signed, (ii) the complete text of each business proposal, including the complete text of any resolutions proposed for consideration and, in the event that such business includes a proposal to amend the Certificate of Incorporation or these Bylaws, the language of the proposed amendment, desired to be submitted for stockholder approval at the special meeting, and the nominee(s) for director election to be presented at such meeting (if applicable), each of which must be limited to the business or nominees set forth in the written demand for the Board of Directors to set an Ownership Record Date, and (iii) as to the beneficial owner, if any, directing such record stockholder to sign the written request to call a special meeting and as to such record stockholder (unless such record stockholder is acting solely as a nominee for a beneficial owner) (each such beneficial owner and each record stockholder who is not acting solely as a nominee, a “Disclosing Party”):
(A)the name and address of each Disclosing Party;
(B)all of the information, statements, questionnaires, consents and representations concerning the Disclosing Party and the business (and director nominee(s), as applicable) required to be submitted with respect to business (or director nominee(s)) at an annual meeting of stockholders, including as specified in Sections 2.07 and 2.09;
(C)with respect to each business proposal (and director nominee(s)) to be submitted for stockholder approval at the special meeting, a statement whether or not any Disclosing Party will deliver a proxy statement and form of proxy to holders of at least the percentage of the Corporation’s outstanding capital stock required to adopt or approve the proposal, or, in the case of a nominee, to holders of a majority of the voting power of the outstanding Voting Stock (such statement, a “Solicitation Statement”); and
1

(D)any additional information necessary to verify the “net long position” of such Disclosing Party (including such information for the one-year period prior to the Ownership Record Date).
Each written request must be delivered to the Secretary at the principal executive offices of the Corporation by hand or by registered or certified mail (return receipt requested) within 60 days of the Ownership Record Date. Each time a Disclosing Party’s “net long position” decreases following the delivery of the foregoing information to the Secretary, such Disclosing Party shall notify the Corporation of his, her or its decreased “net long position,” together with all information necessary to verify such position, within 10 days of such decrease or as of the fifth day before the special meeting, whichever is earlier. In addition, each record stockholder submitting a request to call a special meeting, and each Disclosing Party, shall submit such other information as the Corporation may reasonably request within 10 business days of such a request.
(e)Invalid Requests. The Secretary shall not accept, and shall consider ineffective, a written request from a stockholder to call a special meeting if (i) the request does not comply with these Bylaws, (ii) the request relates to an item of business that is not a proper subject for stockholder action under applicable law, (iii) the request includes an item of business that is the same or substantially similar to an item presented at a stockholder meeting held within 90 days before the Secretary’s receipt of such request (and the election, removal and/or appointment of directors will be considered substantially similar to the election of directors at a preceding stockholder meeting), (iv) the request is delivered during the period starting 90 days before the first anniversary of the preceding year’s annual meeting and ending on the date of the next annual meeting or (v) the request does not comply with applicable law.
(f)Revocations.
(i)A record stockholder may revoke a request to call a special meeting at any time before the special meeting by sending written notice of such revocation to the Secretary of the Corporation.
(ii)All written requests for a special meeting shall be deemed revoked:
(A)upon the first date that, after giving effect to revocation(s) and “net long position” decreases (including pursuant to Section 2.02(f)(i) and the penultimate sentence of Section 2.02(d), respectively), the aggregate “net long position” of all the Disclosing Parties who are listed on the unrevoked written requests to call a special meeting decreases to a number of shares of Common Stock less than the Required Percentage;
(B)if any Disclosing Party who has provided a Solicitation Statement with respect to any business proposal to be submitted for stockholder approval at such special meeting does not act in accordance with the representations set forth therein; or
(C)if any Disclosing Party does not provide the supplemental information required by Section 2.02(d)(iii)(B) or by the final two sentences of Section 2.02(d), in accordance with such provisions.
(iii)If a deemed revocation of all written requests to call a special meeting has occurred after the special meeting has been called by the Secretary, the Board of Directors shall have the discretion to determine whether or not to proceed with the special meeting.
(g)Requirement to Update or Supplement Information. In connection with a special meeting called in accordance with this Section 2.02, the stockholder or stockholders who requested that the Board of Directors fix an Ownership Record Date in accordance with this Section 2.02 or who delivered a demand to call a special meeting to the Secretary shall update and supplement the information previously provided to the Corporation in connection with such request or demand, if necessary, so that the information provided or required to be provided in such request or demand pursuant to this Section 2.02 shall be true and correct as of the record date for
2

determining the record stockholders entitled to notice of the special meeting (such record date, the “Meeting Record Date”) and as of the date that is 10 business days prior to the special meeting or any rescheduling, adjournment or postponement thereof, and such update and supplement shall be delivered to, or mailed and received by, the Secretary at the principal executive offices of the Corporation not later than five business days after the Meeting Record Date and not later than eight business days prior to the date of the special meeting or, if practicable, any rescheduling, adjournment or postponement thereof (and if not practicable, on the first practicable date prior to the date to which the special meeting has been rescheduled, adjourned or postponed).
(h)Miscellaneous. After receiving a request to call a special meeting, the Board of Directors shall determine in good faith whether the record stockholders submitting a request to call a special meeting have satisfied the requirements for calling a special meeting, and the Corporation shall notify the record stockholder requesting the meeting of the Board’s determination about whether the request to call a special meeting is valid, which determination shall be conclusive and binding on the Corporation and all stockholders and other persons. The Board of Directors shall determine the place, and fix the date and time, of any special meeting called at the request of one or more stockholders. The Board of Directors may submit its own proposal or proposals for consideration at a special meeting called at the request of one or more stockholders. The record date for determining the record stockholders entitled to notice of or to vote at a special meeting shall be fixed in accordance with Section 213 (or its successor provision) of the General Corporation Law of the State of Delaware, as amended (the “DGCL”). Business transacted at any special meeting shall be confined to the purpose or purposes stated in the notice of such special meeting. Notwithstanding the foregoing provisions of this Section 2.02, unless otherwise required by law or as otherwise determined by the Chairman of the Board, if none of the stockholders who requested the meeting (and no qualified representative of such stockholders) appears at the special meeting to present the nomination or proposed business included in the requests to call the special meeting, such nomination shall be disregarded and such proposed business shall not be transacted, notwithstanding that proxies in respect of such vote may have been received by the Corporation.
Section 2.03.Place and Timing of Meetings; Remote Meetings. If no designation is made by the Board of Directors, the place of meeting shall be the principal office of the Corporation, which will be 2500 Lake Cook Road, Riverwoods, Illinois. The Board of Directors may determine, in its sole discretion, that a meeting of stockholders shall be held in whole or in part by means of remote communication in accordance with the DGCL. The Board of Directors may establish guidelines and procedures in accordance with applicable provisions of the DGCL and any other applicable law or regulation for participation in a stockholder meeting held by means of remote communication. If authorized by the Board of Directors in its sole discretion and, subject to such guidelines and procedures as the Board of Directors may adopt, stockholders not physically present at a stockholder meeting may, by means of remote communication, (a) participate in the meeting and (b) be deemed present in person and vote, whether such meeting is to be held at a designated place or solely by means of remote communication, provided that (i) the Corporation shall implement measures to verify that each person deemed present and permitted to vote at the meeting by means of remote communication is a stockholder, (ii) the Corporation shall implement measures to provide such stockholders an opportunity to participate in the meeting and to vote on matters submitted to the stockholders, including an opportunity to read or hear the proceedings of the meeting substantially concurrently with such proceedings, and (iii) if any stockholder votes or takes other action at the meeting by means of remote communication, a record of such vote or other action shall be maintained by the Corporation or a delegate thereof.
Section 2.04.Notice of Meeting. A notice of meeting, stating the place (if any), day and hour of the meeting, the record date for determining the stockholders entitled to vote at the meeting if such date is different from the record date for determining the stockholders entitled to notice of the meeting, and, in the case of special meetings, the purpose or purposes for which such special meeting is called, shall be prepared and delivered not less than 10 days nor more than 60 days before the date of the meeting, either personally or by mail, or, to the extent and in the manner permitted by applicable law, electronically (as permitted by Section 232 of the DGCL), to each stockholder of record entitled to vote at such meeting. Such further notice shall be given as may be required by law. Only such business shall be conducted at a special meeting of stockholders as shall have been brought before the meeting pursuant to the Corporation’s notice of meeting. Any previously scheduled meeting of the stockholders may be postponed, rescheduled or canceled by resolution of the Board of Directors upon public notice given prior to the time previously scheduled for such meeting of stockholders.
3

Section 2.05.Quorum and Adjournment. Except as otherwise required by law or by the Restated Certificate of Incorporation, the holders of a majority of the voting power of the outstanding shares of the Corporation entitled to vote generally in the election of directors (the “Voting Stock”), represented in person or by proxy, shall constitute a quorum at a meeting of stockholders, except that when specified business is to be voted on by one or more classes or series voting as a class, the holders of a majority of the voting power of the shares of such class or classes or series shall constitute a quorum for the transaction of such business. The Chairman of the Board or the holders of a majority of the voting power of the shares of Voting Stock entitled to vote thereon may adjourn the meeting from time to time, whether or not there is such a quorum (or, in the case of specified business to be voted on by one or more classes or series, the Chairman of the Board or the holders of a majority of the voting power of the shares of such class or classes or series entitled to vote thereon may adjourn the meeting with respect to such specified business). No notice of the time and place of adjourned meetings need be given except as required by law, including as may be required by Section 222 of the DGCL. Subject to applicable law, the stockholders present at a duly organized meeting may continue to transact business until adjournment, notwithstanding the withdrawal of enough stockholders to leave less than a quorum.
Section 2.06.Proxies. At all meetings of stockholders, a stockholder may vote by proxy as may be permitted by law; provided, that no proxy shall be voted after three years from its date, unless the proxy provides for a longer period. Unless the Chairman of the Board determines otherwise, any proxy to be used at a meeting of stockholders must be filed with the Secretary of the Corporation or his or her representative at or before the time of the meeting.
Section 2.07.Notice of Stockholder Business and Nominations.
(a)Annual Meetings of Stockholders.
(i)Nominations of persons for election to the Board of Directors of the Corporation and the proposal of other business to be considered by the stockholders may be made at an annual meeting of stockholders only
(A)pursuant to the Corporation’s notice of meeting delivered pursuant to Section 2.04 of these Bylaws (or any supplement thereto),
(B)by or at the direction of the Board of Directors,
(C)by any stockholder of the Corporation who is entitled to vote at the meeting, who complied with the notice procedures set forth in clauses (ii) and (iii) of this Section 2.07(a) and who was a stockholder of record on the date such notice is delivered to the Secretary of the Corporation or
(D)in the case of a nominee for director, pursuant to Section 2.08 of these Bylaws.
(ii)For nominations or other business to be properly brought before an annual meeting by a stockholder pursuant to clause (C) of paragraph (a)(i) of this Section 2.07, the stockholder must have given timely notice thereof in writing to the Secretary of the Corporation and, in the case of business other than nominations, such other business must otherwise be a proper matter for stockholder action. To be timely, a stockholder’s notice shall be delivered to the Secretary at the principal executive offices of the Corporation not later than the close of business on the 90th day, nor earlier than the close of business on the 120th day prior to the first anniversary of the preceding year’s annual meeting; provided, however, that (1) if the date of the annual meeting is advanced by more than 30 days, or delayed by more than 90 days, from such anniversary date, notice by the stockholder to be timely must be so delivered not earlier than the close of business on the 120th day prior to such annual meeting and not later than the close of business on the later of the 90th day prior to such annual meeting or the 10th day following the day on which public announcement of the date of such meeting is first made by the Corporation or (2) if no annual
4

meeting was held in the preceding year, notice by the stockholders to be timely must be so delivered not later than the close of business on the 10th day following the day on which public announcement of the date of such meeting is first made by the Corporation. In no event shall the adjournment of an annual meeting, or the postponement of an annual meeting for which notice has already been given or public announcement of the date of the meeting has already been made, commence a new time period (or extend any time period) for the giving of a stockholder’s notice as described in this Section 2.07(a). Such stockholder’s notice shall set forth:
(A)as to each person whom the stockholder proposes to nominate for election as a director, all information relating to such person that is required to be disclosed in solicitations of proxies for election of directors in an election contest, or is otherwise required, in each case pursuant to Regulation 14A under the Securities Exchange Act of 1934, as amended from time to time (the “Exchange Act”), including such person’s written consent to being named in the proxy statement as a nominee and to serving as a director if elected for the full term for which such person is standing for election;
(B)as to any other business that the stockholder proposes to bring before the meeting, a brief description of the business desired to be brought before the meeting, the text of the proposal or business (including the complete text of any resolutions proposed for consideration and if such business includes a proposal to amend these Bylaws, the text of the proposed amendment), the reasons for conducting such business at the meeting, and any material interest in such business of such stockholder and the beneficial owner, if any, on whose behalf the proposal is made; and
(C)as to the stockholder giving the notice, the beneficial owner, if any, on whose behalf the nomination or proposal is made, each person whom the stockholder proposes to nominate for election as a director and each Stockholder Associated Person (as defined below), (1) the name and address of such noticing stockholder, proposed nominee and Stockholder Associated Person (including, as applicable, as they appear on the Corporation’s books), and of such beneficial owner, (2) the class or series and number of shares of the Corporation that are, directly or indirectly, owned beneficially and/or of record by such stockholder, proposed nominee, Stockholder Associated Person and such beneficial owner and the date or dates such shares were acquired and the investment intent of such acquisition, (3) the name of each nominee holder for, and number of, any securities of the Corporation owned beneficially but not of record by such noticing stockholder, any proposed nominee or any Stockholder Associated Person and any pledge by such noticing stockholder, any proposed nominee or any Stockholder Associated Person with respect to any of such securities, (4) any Short Interest (as defined below) held by or involving such stockholder, any proposed nominee or any Stockholder Associated Person, (5) a complete and accurate description of any agreement, arrangement or understanding with respect to the nomination or proposal between or among such noticing stockholder and such beneficial owner, any of their respective affiliates or associates, and any others acting in concert with any of the foregoing including, in the case of a nomination, the nominee, (6) a complete and accurate description of any agreement, arrangement or understanding, written or oral, (including any derivative or short positions, profit interests, options, warrants, stock appreciation or similar rights, hedging transactions, and borrowed or loaned shares) that has been entered into as of the date of the stockholder’s notice by, or on behalf of, such stockholder and such beneficial owners, whether or not such agreement, arrangement or understanding shall be subject to settlement in underlying shares of capital stock of the Corporation, the effect or intent of which is to mitigate loss to, manage risk or benefit of share price changes for, or increase or decrease the voting power of, such stockholder or such beneficial owner, with respect to shares of stock of the Corporation (any of the foregoing, a “Derivative Instrument”), (7) a representation that the stockholder is a holder of record of stock of the Corporation entitled to vote at such meeting and intends to appear in person or by proxy at the meeting to propose such business or nomination, (8) any substantial interest, direct or indirect (including any existing or prospective commercial, business or contractual
5

relationship with the Corporation), by security holdings or otherwise, of such stockholder giving notice, the beneficial owner, if any, on whose behalf the nomination or proposal is made in the Corporation or any affiliate thereof, each person whom the stockholder proposes to nominate for election as a director and each Stockholder Associated Person, other than an interest arising from the ownership of Corporation securities where such stockholder or beneficial owner receives no extra or special benefit not shared on a pro rata basis by all other holders of the same class or series, (9) complete and accurate description of all agreements, arrangements or understandings, written or oral, (I) between or among such noticing stockholder and any of the Stockholder Associated Persons or (II) between or among such noticing stockholder or any Stockholder Associated Person and any other person or entity (naming each such person or entity) or any proposed nominee, including, without limitation, (x) any proxy, contract, agreement, arrangement, understanding or relationship pursuant to which such noticing stockholder or any Stockholder Associated Person has a right to vote any security of the Corporation, (y) any agreements, arrangements or understandings, written or oral, that such noticing stockholder or any Stockholder Associated Person may have reached with any stockholder of the Corporation (including the name of such stockholder) with respect to how such stockholder will vote such stockholder’s shares in the Corporation at any meeting of the Corporation’s stockholders or take other action in support of any proposed nominee or other business, or other action to be taken, by such noticing stockholder or any Stockholder Associated Person and (z) any other agreements, arrangements or understandings that would be required to be disclosed by such noticing stockholder, any proposed nominee, any Stockholder Associated Person or any other person or entity pursuant to Item 5 or Item 6 of a Schedule 13D pursuant to Section 13 of the Exchange Act and the rules and regulations promulgated thereunder (regardless of whether the requirement to file a Schedule 13D is applicable to such noticing stockholder, any proposed nominee, any Stockholder Associated Person or any other person or entity), (10) any rights to dividends on the shares of the Corporation owned beneficially by such noticing stockholder, any proposed nominee or any Stockholder Associated Person that are separated or separable from the underlying shares of the Corporation, (11) any proportionate interest in shares of the Corporation or Derivative Instruments held, directly or indirectly, by a general or limited partnership, limited liability company or similar entity in which such noticing stockholder, any proposed nominee or any Stockholder Associated Person is (I) a general partner or, directly or indirectly, beneficially owns an interest in a general partner of such general or limited partnership or (II) the manager, managing member or, directly or indirectly, beneficially owns an interest in the manager or managing member of such limited liability company or similar entity, (12) any significant equity interests or any Derivative Instruments or Short Interests in any principal competitor of the Corporation held by such noticing stockholder, any proposed nominee or any Stockholder Associated Person, (13) any direct or indirect interest of such noticing stockholder, any proposed nominee or any Stockholder Associated Person in any contract with the Corporation, any affiliate of the Corporation or any principal competitor of the Corporation (including, without limitation, any employment agreement, collective bargaining agreement or consulting agreement), (14) a description of any material interest of such noticing stockholder, any proposed nominee or any Stockholder Associated Person in the business proposed by such noticing stockholder, if any, or the election of any proposed nominee, (15) a complete an accurate description of any performance-related fees (other than an asset-based fee) to which such noticing stockholder, any proposed nominee or any Stockholder Associated Person may be entitled as a result of any increase or decrease in the value of the Corporation’s securities or any Derivative Instruments, including, without limitation, any such interests held by members of such noticing stockholder’s, any proposed nominee’s or Stockholder Associated Person’s immediate family sharing the same household, (16) a representation as to whether the stockholder or the beneficial owner, if any, intends or is part of a group that intends (a) to deliver a proxy statement and/or form of proxy to holders of at least the percentage of the Corporation’s outstanding capital stock required to approve or adopt the proposal or, in the case of a nominee, to holders of a majority of the voting power of the Voting Stock, and/or (b) otherwise to solicit proxies or votes from stockholders in support of such proposal or nomination, (17) a complete and accurate description of any pending or, to such
6

noticing stockholder’s knowledge, threatened legal proceeding in which such noticing stockholder, any proposed nominee or any Stockholder Associated Person is a party or participant involving the Corporation or, to such noticing stockholder’s knowledge, any officer, director, affiliate or associate of the Corporation, (18) identification of the names and addresses of other stockholder(s) (including beneficial owner(s)) known by such noticing stockholder, beneficial owner or proposed nominee to support such nominations or other business proposal(s), and to the extent known, the class and number of all shares of the Corporation’s capital stock owned beneficially or of record by such other stockholder(s) (or other beneficial owner(s)), (19) any business or personal interests that could place such noticing stockholder, beneficial owner or proposed nominee in a potential conflict of interest with the Corporation or any of its subsidiaries and (20) any other information relating to the stockholder that would be required to be disclosed in a proxy statement or other filings required to be made in connection with solicitations of proxies for, as applicable, the proposal and/or the election of directors in an election contest pursuant to and in accordance with Section 14(a) of the Exchange Act and the rules and regulations promulgated thereunder. For purposes of these Bylaws, “Short Interest” shall mean any agreement, arrangement, understanding, relationship or otherwise, including, without limitation, any repurchase or similar so-called “stock borrowing” agreement or arrangement, involving any noticing stockholder or any Stockholder Associated Person of any noticing stockholder directly or indirectly, the purpose or effect of which is to mitigate loss to, reduce the economic risk (of ownership or otherwise) of any class or series of shares of the Corporation by, manage the risk of share price changes for, or increase or decrease the voting power of, such noticing stockholder or any Stockholder Associated Person of any noticing stockholder with respect to any class or series of shares of the Corporation, or which provides, directly or indirectly, the opportunity to profit or share in any profit derived from any decrease in the price or value of any class or series of shares of the Corporation; and “Stockholder Associated Person” shall mean, with respect to any noticing stockholder, (I) any person directly or indirectly controlling, controlled by, under common control with such noticing stockholder, (II) any person who is acting in concert with such noticing stockholder, (III) any beneficial owner of shares of stock of the Corporation owned of record or beneficially by such noticing stockholder (other than a stockholder that is a depositary) or (IV) any affiliate or associate of such noticing stockholder or any Stockholder Associated Person.
(iii)A noticing stockholder shall update such notice, if necessary, such that the information provided or required to be provided in such notice shall be true and correct (A) as of the record date for determining the stockholders entitled to receive notice of the meeting and (B) as of the date that is 10 business days prior to the meeting (or any postponement, rescheduling or adjournment thereof), and such update shall be received by the Secretary at the principal executive offices of the Corporation (x) not later than the close of business five business days after the record date for determining the stockholders entitled to receive notice of such meeting (in the case of an update required to be made under clause (A)) and (y) not later than the close of business eight business days prior to the date for the meeting or, if practicable, any postponement, rescheduling or adjournment thereof (and, if not practicable, on the first practicable date prior to the date to which the meeting has been postponed, rescheduled or adjourned) (in the case of an update required to be made pursuant to clause (B)). For the avoidance of doubt, any information provided pursuant to this Section 2.07(a)(iii) shall not be deemed to cure any deficiencies in a notice previously delivered pursuant to this Section 2.07 and shall not extend the time period for the delivery of notice pursuant to this Section 2.07. If a noticing stockholder fails to provide such written update within such period, the information as to which such written update relates may be deemed not to have been provided in accordance with this Section 2.07.
(iv)If any information submitted pursuant to this Section 2.07 by any noticing stockholder proposing individuals to nominate for election or reelection as a director or business for consideration at a stockholder meeting shall be inaccurate in any respect, such information shall be deemed not to have been provided in accordance with this Section 2.07. Any such noticing stockholder shall notify the Secretary in writing at the principal executive offices of the Corporation of any inaccuracy in any information submitted pursuant to this Section 2.07 within two business days after becoming aware of such
7

inaccuracy. Upon written request of the Secretary on behalf of the Board of Directors (or a duly authorized committee thereof), any such noticing stockholder shall provide, within five business days after delivery of such request (or such other period as may be specified in such request), (A) written verification, reasonably satisfactory to the Board of Directors, any committee thereof or any authorized officer of the Corporation, to demonstrate the accuracy of any information submitted by such noticing stockholder pursuant to this Section 2.07; and (B) a written affirmation of any information submitted by such noticing stockholder pursuant to this Section 2.07 as of an earlier date. If a noticing stockholder fails to provide such written verification or affirmation within such period, the information as to which written verification or affirmation was requested may be deemed not to have been provided in accordance with this Section 2.07.
(v)In addition to the information required above, the Corporation may require the noticing stockholder and any proposed nominee to furnish such other information as it may reasonably require to determine the eligibility, suitability or qualifications of any proposed nominee to serve as a director of the Corporation and the impact that such service would have on the ability of the Corporation to satisfy the requirements of laws, rules, regulations and listing standards applicable to the Corporation or its directors, and such noticing stockholder or proposed nominee, as applicable, shall furnish such information to the Corporation within 10 business days of the Corporation’s request.
(vi)Notwithstanding anything in the second sentence of clause (ii) of this Section 2.07(a) to the contrary, if the number of directors to be elected to the Board of Directors of the Corporation is increased and there is no public announcement by the Corporation disclosing, directly or indirectly, such increase at least 10 days before the last day a stockholder may deliver a notice in accordance with clause (ii) of this Section 2.07(a), a stockholder’s notice required by this Section 2.07 shall also be considered timely, but only with respect to nominees for any new directorships created by such increase, if it shall be delivered to the Secretary at the principal executive offices of the Corporation not later than the close of business on the 10th day following the day on which such public announcement is first made by the Corporation.
(b)Special Meetings of Stockholders. Only such business shall be conducted at a special meeting of stockholders as shall have been brought before the meeting pursuant to the Corporation’s notice of meeting pursuant to Section 2.04 of these Bylaws. Subject to the rights of the holders of Preferred Stock, nominations of persons for election to the Board of Directors may be made at a special meeting of stockholders at which directors are to be elected pursuant to the Corporation’s notice of meeting:
(i)by or at the direction of the Board of Directors; or
(ii)provided that the Board of Directors has determined that directors shall be elected at such meeting, by any stockholder of the Corporation who is entitled to vote at the meeting, who complies with the notice procedures set forth in this Section 2.07 and who is a stockholder of record at the time such notice is delivered to the Secretary of the Corporation. If the Corporation calls a special meeting of stockholders for the purpose of electing one or more directors to the Board of Directors, any stockholder entitled to vote in such election may nominate such number of persons for election to such position(s) as are specified in the Corporation’s notice of meeting, if the stockholder’s notice as required by clause (ii) of Section 2.07(a) of these Bylaws shall be delivered to the Secretary at the principal executive offices of the Corporation not earlier than the close of business on the 120th day prior to such special meeting and not later than the close of business on the later of the 90th day prior to such special meeting or the 10th day following the day on which public announcement of the date of the special meeting and of either the nominees proposed by the Board of Directors or the number of directors to be elected at such meeting is first made by the Corporation. In no event shall the public announcement of an adjournment or postponement of a special meeting commence a new time period (or extend any time period) for the giving of a stockholder’s notice as described above. For the avoidance of doubt, stockholders are not permitted to nominate persons for election to the Board of Directors pursuant to Section 2.08 at a special meeting of stockholders. Notwithstanding any other provision of these Bylaws, in the case of a special meeting called at the request of one or more stockholders, no stockholder may nominate a person for election to the Board
8

of Directors or propose any business to be considered at a meeting, except pursuant to a written request to call a special meeting pursuant to Section 2.02 that identifies the nominees for election and business to be considered at the special meeting and that meets the requirements of these Bylaws.
(c)General.
(i)Only persons who are nominated in accordance with the procedures set forth in these Bylaws shall be eligible to be elected as directors at (A) an annual meeting of stockholders, in accordance with the procedures set forth in this Section 2.07 or in Section 2.08, or (B) a special meeting of stockholders, in accordance with the procedures set forth in this Section 2.07 (and Section 2.02, as applicable). Only such other business shall be conducted at a meeting of stockholders as shall have been brought before the meeting in accordance with the procedures set forth in this Section 2.07 (and Section 2.02, as applicable). Except as otherwise provided by law, the Restated Certificate of Incorporation or these Bylaws, the Chairman of the Board shall have the power and duty to determine whether a nomination or any business proposed to be brought before the meeting was made or proposed in accordance with the procedures set forth in Section 2.02, this Section 2.07 and Section 2.08 (including whether the stockholder or beneficial owner, if any, on whose behalf the nomination or proposal is made (or is part of a group which solicited) did or did not so solicit, as the case may be, proxies in support of such stockholder’s nominee or proposal in compliance with such stockholder’s representation as required by clause (a)(ii)(C)(16) of this Section 2.07) and, if any proposed nomination or business is not in compliance with this Section 2.07 or Section 2.08 (or if a stockholder or beneficial owner did not comply with the foregoing solicitation representation), to declare that such defective proposal or nomination shall be disregarded. Notwithstanding the foregoing provisions of this Section 2.07 or Section 2.08, unless otherwise required by law or as otherwise determined by the Chairman of the Board, if the stockholder (or a qualified representative of the stockholder) making the proposal or nomination does not appear at the annual or special meeting of stockholders of the Corporation to present a nomination or proposed business, such nomination shall be disregarded and such proposed business shall not be transacted, notwithstanding that proxies in respect of such vote may have been received by the Corporation. For purposes of this Section 2.07 and Section 2.02, to be considered a qualified representative of the stockholder, a person must be a duly authorized officer, manager or partner of such stockholder or must be authorized by a writing executed by such stockholder or an electronic transmission delivered by such stockholder to act for such stockholder as proxy at the meeting of stockholders and such person must produce such writing or electronic transmission, or a reliable reproduction of the writing or electronic transmission, at the meeting of stockholders.
(ii)For purposes of these Bylaws, “public announcement” shall mean disclosure in a press release reported by the Dow Jones News Service, Associated Press or comparable national news service or in a document publicly filed by the Corporation with the Securities and Exchange Commission pursuant to Section 13, 14 or 15(d) of the Exchange Act. For purposes of these Bylaws, “close of business” means 6:00 p.m. local time at the principal executive offices of the Corporation on any calendar day, whether or not a business day.
(iii)Notwithstanding the foregoing provisions of this Section 2.07 and Section 2.08, a stockholder shall also comply with all applicable requirements of the Exchange Act and the rules and regulations thereunder with respect to the matters set forth in this Section 2.07 and Section 2.08; provided, however, that any references in these Bylaws to the Exchange Act or the rules promulgated thereunder are not intended to and shall not limit any requirements (including paragraphs (a)(i)(C) and (b) of this Section 2.07) applicable to stockholder nominations or proposals as to any other business to be considered pursuant to this Section 2.07 and Section 2.08 and compliance with paragraphs (a)(i)(C) and (b) of this Section 2.07 shall be the exclusive means for a stockholder to make nominations or submit proposals for any other business to be considered at an annual or special meeting of stockholders other than (A) matters brought properly under and in compliance with Rule 14a-8 of the Exchange Act, as may be amended from time to time, (B) nominations to be considered at an annual meeting of stockholders pursuant to Section 2.08 and (C) nominations or business permitted to be presented at a special meeting called at the request of stockholders pursuant to Section 2.02. Nothing in this Section 2.07 shall be deemed to affect any rights of
9

the holders of any series of Preferred Stock to elect directors pursuant to any applicable provisions of the Restated Certificate of Incorporation.
Section 2.08.Proxy Access for Director Nominations.
(a)Definitions. For purposes of Section 2.08, the following terms shall have the following meanings:
(i)“Authorized Group Member” shall mean, with respect to any nomination by a Nominator Group, the member of that Nominator Group that is authorized to act on behalf of all members of that Nominator Group with respect to matters relating to the nomination, including withdrawal of the nomination.
(ii)“Compensation Arrangement” shall mean any direct or indirect compensatory, payment or other financial agreement, arrangement or understanding with any person or entity other than the Corporation, including, without limitation, any agreement, arrangement or understanding with respect to any direct or indirect compensation, reimbursement or indemnification in connection with candidacy, nomination, service or action as a nominee or as a director of the Corporation.
(iii)“Eligible Stockholder” shall mean a person who has either (A) been a record holder of the shares of common stock of the Corporation used to satisfy the eligibility requirements in Section 2.08(d) continuously for the required three-year period or (B) provides to the Secretary of the Corporation, within the time period referred to in Section 2.08(e), evidence of continuous Ownership of such shares for such three-year period from one or more securities intermediaries.
(iv)“Maximum Number” shall mean that number of directors constituting the greater of (1) two or (2) 20% of the total number of directors of the Corporation on the last day on which a Nomination Notice may be submitted pursuant to this Section 2.08 (rounded down to the nearest whole number), which number shall be reduced as set forth in Section 2.08(c)(i).
(v)“Minimum Number” shall mean 3% of the number of outstanding shares of common stock of the Corporation as of the most recent date for which such amount is given in any filing by the Corporation with the Securities and Exchange Commission prior to the submission of the Nomination Notice.
(vi)“Nominating Stockholder” shall mean any Eligible Stockholder or group of up to 20 stockholders (a “Nominator Group”) that, collectively as a group, satisfy the requirements to qualify as an Eligible Stockholder, and that (A) has (individually and collectively, in the case of a Nominator Group) satisfied all applicable conditions and complied with all applicable procedures set forth in this Section 2.08 (including, without limitation, the timely submission of a Nomination Notice that meets the requirements set forth in this Section 2.08), and (B) has nominated a Stockholder Nominee.
(vii)“Nomination Notice” shall mean all information and documents that a Nominating Stockholder is required to submit to the Secretary of the Corporation pursuant to Section 2.08(f).
(viii)“Own” shall mean possession, with respect to those outstanding shares of common stock of the Corporation entitled to vote generally for the election of all directors of the Corporation, of both: (A) the full voting and investment rights pertaining to the shares; and (B) the full economic interest in (including the opportunity for profit and risk of loss on) such shares; provided, that the number of shares calculated in accordance with clauses (A) and (B) shall not include any shares: (1) sold by such stockholder or any of its affiliates in any transaction that has not been settled or closed, including any short sale; (2) borrowed by such stockholder or any of its affiliates for any purposes or purchased by such stockholder or any of its affiliates pursuant to an agreement to resell; or (3) subject to any option, warrant,
10

forward contract, swap, contract of sale, or other derivative or similar agreement entered into by such stockholder or any of its affiliates, whether any such instrument or agreement is to be settled with shares or with cash based on the notional amount or value of outstanding shares of stock of the Corporation, in any such case which instrument or agreement has, or is intended to have, or if exercised by either party thereto would have, the purpose or effect of reducing in any manner, to any extent or at any time in the future, such stockholder’s or affiliates’ full right to vote or direct the voting of any such shares, and/or hedging, offsetting or altering to any degree any gain or loss arising from the full economic Ownership of such shares by such stockholder or affiliate, other than any such arrangements solely involving a national or multi-national multi-industry market index. A stockholder shall “Own” shares held in the name of a nominee or other intermediary so long as the stockholder retains the right to instruct how the shares are voted with respect to the election of directors and the right to direct the disposition thereof and possesses the full economic interest in the shares. A stockholder’s Ownership of shares shall be deemed to continue during any period in which the stockholder has loaned such shares or delegated any voting power over such shares by means of a proxy, power of attorney or other instrument or arrangement which in either case is revocable at any time by the stockholder; provided, however, in the event of a loan, the stockholder has the power to recall such loaned shares on five business days’ notice. The terms “Owned,” “Owning,” “Ownership” and other variations of the word “Own” shall have correlative meanings.
(ix)“Stock Exchange Rules” shall mean the rules of any stock exchange on which the Corporation’s securities are traded.
(x)“Stockholder Nominee” shall mean any person nominated for election pursuant to this Section 2.08.
(xi)“Voting Commitment” shall mean any agreement, arrangement or understanding with, and any commitment or assurance to, any person or entity as to how a person, if elected as a director of the Corporation, will act or vote on any issue or question.
(b)Proxy Access at Annual Meetings. Subject to the provisions of this Section 2.08, if expressly requested in the relevant Nomination Notice, the Corporation shall include in its proxy statement for any annual meeting of stockholders:
(i)the name of any Stockholder Nominee, which shall also be included on the Corporation’s form of proxy and ballot;
(ii)disclosure about the Stockholder Nominee and the Nominating Stockholder required under the rules of the Securities and Exchange Commission or other applicable law to be included in the proxy statement;
(iii)any statement included by the Nominating Stockholder in the Nomination Notice for inclusion in the proxy statement in support of the Stockholder Nominee’s election to the Board of Directors (subject, without limitation, to Section 2.08(g)(iii)), if such statement does not exceed 500 words; and
(iv)any other information that the Corporation or the Board of Directors determines, in its discretion, to include in the proxy statement relating to the nomination of the Stockholder Nominee, including, without limitation, any statement in opposition to the nomination, information relating to any Compensation Arrangement and/or Voting Commitment, and any of the information provided pursuant to this Section 2.08.
For the avoidance of doubt, the provisions of this Section 2.08 shall not apply to a special meeting of stockholders, and the Corporation shall not be required to include a director nominee of a stockholder or group of stockholders under this Section 2.08 in the Corporation’s proxy statement or form of proxy or ballot for any special meeting of stockholders.
11

(c)Maximum Number of Stockholder Nominees.
(i)The Corporation shall not be required to include in the proxy statement for an annual meeting of stockholders more Stockholder Nominees than the Maximum Number. In the event that one or more vacancies for any reason occurs on the Board of Directors after the deadline set forth in Section 2.08(e) but before the date of the annual meeting and the Board of Directors resolves to reduce the size of the Board of Directors in connection therewith, the Maximum Number shall be calculated based on the number of directors in office as so reduced. The Maximum Number for a particular annual meeting shall be reduced by:
(A)Stockholder Nominees whose nominations for election at such annual meeting are subsequently withdrawn;
(B)Stockholder Nominees whom the Board of Directors itself decides to nominate for election at such annual meeting;
(C)the number of incumbent directors or director candidates (including, without limitation, candidates who are not Stockholder Nominees) that in either case will be included in the Corporation’s proxy materials for an annual meeting of stockholders as unopposed (by the Corporation) nominees pursuant to any agreement, arrangement or other understanding with any stockholder or group of stockholders; and
(D)the number of incumbent directors who had been Stockholder Nominees at any of the preceding two annual meetings of stockholders and whose reelection at the upcoming annual meeting is being recommended by the Board of Directors.
(ii)Any Nominating Stockholder submitting more than one Stockholder Nominee for inclusion in the Corporation’s proxy materials pursuant to this Section 2.08 shall rank such Stockholder Nominees based on the order that the Nominating Stockholder desires such Stockholder Nominees to be selected for inclusion in the Corporation’s proxy materials. In the event that the number of Stockholder Nominees submitted by Nominating Stockholders pursuant to this Section 2.08 exceeds the Maximum Number, the highest ranking Stockholder Nominee who meets the requirements of this Section 2.08 from each Nominating Stockholder will be selected for inclusion in the Corporation’s proxy materials until the Maximum Number is reached, going in order of the amount (largest to smallest) of shares of stock of the Corporation that each Nominating Stockholder disclosed as Owned in its respective Nomination Notice submitted to the Corporation. This selection process will continue with the next highest ranked nominees as many times as necessary, following the same order each time, until the Maximum Number is reached.
(d)Eligible Stockholders.
(i)An Eligible Stockholder or Nominator Group may submit a nomination in accordance with this Section 2.08 only if the person or group (in the aggregate) has continuously Owned at least the Minimum Number (as adjusted for any stock splits, stock dividends, subdivisions, combinations, reclassifications, recapitalizations or similar events) of shares of the Corporation’s common stock throughout the three-year period preceding and including the date of submission of the Nomination Notice, and continues to Own at least the Minimum Number of shares through the date of the annual meeting. No shares may be attributed to more than one Eligible Stockholder. The following shall be treated as one Eligible Stockholder or one member of a Nominator Group if such Eligible Stockholder or member of a Nominator Group shall provide together with the Nomination Notice documentation that demonstrates compliance with the following criteria: (A) funds under common management and investment control; (B) funds under common management and funded primarily by the same employer; or (C) a “family of investment companies” or a “group of investment companies” (each as defined in or under the Investment Company Act of 1940, as amended).
12

(ii)For the avoidance of doubt, in the event of a nomination by a Nominator Group, any and all requirements and obligations for a given Eligible Stockholder (including, without limitation, each and every fund or company that comprises the Nominator Group) that are set forth in this Section 2.08, including the minimum holding period, shall apply to each member of such Nominator Group; provided, however, that the Minimum Number shall apply to the Ownership of the Nominator Group in the aggregate. Should any stockholder withdraw from a Nominator Group at any time prior to the annual meeting of stockholders, the Nominator Group shall only be deemed to Own the shares held by the remaining members of that Nominator Group.
(iii)No stockholder shall be permitted to be in more than one Nominator Group, and if any stockholder appears as a member of more than one Nominator Group, or as a member of a Nominator Group and as a Nominating Stockholder without any such group, such stockholder shall be deemed to be a member of only the Nominator Group that has the largest Ownership position as reflected in the Nomination Notice and is not permitted to act as a Nominating Stockholder separate from such Nominator Group.
(e)Timely Nomination Notice. To be timely, a Nomination Notice must be delivered to the Secretary at the principal executive offices of the Corporation not later than the close of business on the 120th day nor earlier than the close of business on the 150th day prior to the first anniversary of the date (as stated in the Corporation’s proxy materials relating to that annual meeting) that the Corporation first mailed its proxy statement for the annual meeting of the previous year, except where information or documents are required to be provided after the date the Nomination Notice is first submitted, as set forth in this Section 2.08; provided, however that, if the date of the annual meeting is advanced by more than 30 days, or delayed by more than 90 days, from the anniversary date of the immediately preceding annual meeting of stockholders, the Nomination Notice to be timely must be so delivered not later than the close of business on the 10th day following the day on which such notice of the date of the annual meeting was mailed or such public announcement of the date of the annual meeting was made, whichever first occurs. In no event shall the adjournment of an annual meeting, or the postponement of an annual meeting for which notice has already been given or public announcement of the date of the meeting has already been made, commence a new time period (or extend any time period) for the giving of a Nomination Notice.
(f)Nomination Notice. The Nomination Notice shall consist of, collectively, the following information, documents and agreements which shall, for avoidance of doubt, be compiled, completed and submitted by the Nominating Stockholder or its representatives at its own cost:
(i)documentary evidence in the form of one or more written statements from the record holder of the shares (and from each intermediary through which the shares are or have been held during the requisite three-year holding period, provided that each such intermediary must be a participant in the Depository Trust Company or an affiliate of a participant in the Depository Trust Company) verifying and certifying that, as of a date within seven calendar days prior to the date of the Nomination Notice, the Nominating Stockholder Owns, and has continuously Owned for the preceding three years, the Minimum Number of shares, and the Nominating Stockholder’s agreement to provide, within five business days after the record date for the annual meeting, documentary evidence in the form of written statements from the record holder and intermediaries verifying and certifying the Nominating Stockholder’s continuous Ownership of the Minimum Number of shares through the record date;
(ii)an undertaking to provide immediate notice if the Nominating Stockholder ceases to Own the Minimum Number of shares prior to the date of the annual meeting;
(iii)a copy of the Schedule 14N (or any successor form) relating to the Stockholder Nominee, completed and filed with the Securities and Exchange Commission by the Nominating Stockholder as applicable, in accordance with Securities and Exchange Commission rules;
13

(iv)the written consent of each Stockholder Nominee to being named in the Corporation’s proxy statement, form of proxy and ballot as a nominee and to serving as a director if elected for the full term for which such person is standing for election;
(v)a written notice of the nomination of such Stockholder Nominee that includes the following additional information, agreements, representations and warranties by the Nominating Stockholder (including, for the avoidance of doubt, each member of a Nominator Group):
(A)the information and other deliverables that would be required to be set forth in a stockholder’s notice of nomination pursuant to Section 2.07, as if the Nominating Stockholder were the proposing stockholder under that section;
(B)to the extent not included in the response to paragraph (A) above, a detailed description of all material relationships, between or among the Nominating Stockholder, on the one hand, and each Stockholder Nominee, on the other hand, including, without limitation, all information that would be required to be disclosed pursuant to Item 404 of Regulation S-K (or its successor Item) if the Nominating Stockholder were the “registrant” for purposes of such item and the Stockholder Nominee was a director or executive officer of such registrant;
(C)a detailed description of all communications by such Nominating Stockholder with any other stockholder or beneficial owner of any securities of the Corporation regarding such Stockholder Nominee;
(D)the details of any relationship that existed within the past three years and that would have been described pursuant to Item 6(e) of Schedule 14N (or any successor item) if it existed on the date of submission of the Schedule 14N;
(E)a representation and warranty that the Nominating Stockholder did not acquire, and is not holding, securities of the Corporation for the purpose or with the effect of influencing or changing control of the Corporation;
(F)a representation and warranty that the Nominating Stockholder has not nominated and will not nominate for election to the Board of Directors at the annual meeting any person other than such Nominating Stockholder’s Stockholder Nominee(s);
(G)a representation and warranty that the Nominating Stockholder has not engaged in and will not engage in a “solicitation” within the meaning of Rule 14a-1(l) under the Exchange Act with respect to the annual meeting, other than with respect to such Nominating Stockholder’s Stockholder Nominee(s) or any nominee of the Board of Directors;
(H)a representation and warranty that the Nominating Stockholder has not engaged in and will not engage in, other than with respect to such Nominating Stockholder’s Stockholder Nominee(s) or any nominee of the Board of Directors, (1) an exempt solicitation as described in Rule 14a-2(b) under the Exchange Act, or (2) any communication, as described in Rule 14a-1(l)(2)(iv) under the Exchange Act, stating how the Nominating Stockholder intends to vote at the annual meeting and the reasons therefor;
(I)a representation and warranty that the Nominating Stockholder will not use or distribute any proxy card other than the Corporation’s proxy card in soliciting stockholders in connection with the election of a Stockholder Nominee at the annual meeting;
(J)a representation and warranty that the Stockholder Nominee’s candidacy or, if elected, membership on the Board of Directors would not violate applicable state or federal law or Stock Exchange Rules;
14

(K)a representation and warranty that the Stockholder Nominee: (1) qualifies as independent under the Stock Exchange Rules and any publicly disclosed standards used by the Board of Directors in determining and disclosing the independence of the directors; and (2) is not and has not been subject to any event specified in Rule 506(d)(1) of Regulation D (or any successor rule) under the Securities Act of 1933, as amended, or Item 401(f) of Regulation S-K (or any successor rule), without reference to whether the event is material to an evaluation of the ability or integrity of the Stockholder Nominee;
(L)a representation and warranty that the Nominating Stockholder satisfies the eligibility requirements set forth in Section 2.08(d);
(M)a representation and warranty that the Nominating Stockholder will continue to satisfy the eligibility requirements described in Section 2.08(d) through the date of the annual meeting;
(N)the details of any position of the Stockholder Nominee as an officer or director of any competitor (that is, any entity that provides products or services that compete with or are alternatives to the principal products produced or services provided by the Corporation or its affiliates) of the Corporation, within the three years preceding the submission of the Nomination Notice;
(O)the details of any position of the Stockholder Nominee as a director, trustee, officer or employee with management functions for any (1) depository institution or depository holding company that is not affiliated with the Corporation, each as defined in the Depository Institution Management Interlocks Act, as amended (the “Interlocks Act”) and the rules and regulations thereunder, or (2) entity that has been designated as a systemically important financial institution pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, as amended (the “Dodd-Frank Act”) and the rules and regulations thereunder;
(P)if desired, a statement for inclusion in the proxy statement in support of the Stockholder Nominee’s election to the Board of Directors. Any such statement shall not exceed 500 words and shall fully comply with Section 14 of the Exchange Act and the rules and regulations thereunder; and
(Q)in the case of a nomination by a Nominator Group, the designation by all group members of one Authorized Group Member;
(vi)an executed agreement (which form of agreement shall be provided by the Secretary of the Corporation upon written request), which must be submitted within 10 days of the Nominating Stockholder’s first submission of any information required by this Section 2.08(f), pursuant to which the Nominating Stockholder (including each member of a Nominator Group) agrees:
(A)to comply with all applicable laws, rules and regulations in connection with the nomination, solicitation and election;
(B)to file any written solicitation or other communication with the Corporation’s stockholders relating to one or more of the Corporation’s directors or director nominees or any Stockholder Nominee with the Securities and Exchange Commission, regardless of whether any such filing is required under any rule or regulation or whether any exemption from filing is available for such materials under any rule or regulation;
(C)to assume all liability stemming from any action, suit or proceeding concerning any actual or alleged legal or regulatory violation arising out of any communication by the Nominating Stockholder or the Stockholder Nominee nominated by such Nominating
15

Stockholder with the Corporation, its stockholders or any other person, including, without limitation, the Nomination Notice;
(D)to indemnify and hold harmless (jointly with all other members of a Nominator Group, if applicable) the Corporation and each of its directors, officers and employees individually against any liability, loss, damages, expenses or other costs (including attorneys’ fees) incurred in connection with any action, suit or proceeding (whether threatened, pending or completed), whether legal, judicial administrative or investigative, against the Corporation or any of its directors, officers or employees arising out of or relating to a failure or alleged failure of the Nominating Stockholder or Stockholder Nominee to comply with, or any breach or alleged breach of, its, or his or her, as applicable, obligations, agreements or representations under or pursuant to this Section 2.08, or otherwise arising out of any nomination, solicitation or other activity by any Eligible Stockholder or any member of a Nominator Group in connection with its efforts pursuant to this Section 2.08;
(E)to promptly (and in any event within 48 hours of discovering such misstatement or omission) notify the Corporation and any other recipient of any misstatement or omission if information included in the Nomination Notice, or any other communication by the Nominating Stockholder (including with respect to any member of a Nominator Group) with the Corporation, its stockholders or any other person in connection with the nomination or election ceases to be true and accurate in all material respects (or omits a material fact necessary to make the statements made not misleading), and promptly notify the Corporation and any other recipient of the information that is required to correct the misstatement or omission; and
(F)in the event that the Nominating Stockholder (including any member of a Nominator Group) has failed to continue to satisfy the eligibility requirements described in Section 2.08(d), to promptly notify the Corporation; and
(vii)an executed questionnaire, representation and agreement pursuant to Section 2.09 (which forms of questionnaire, representation and agreement shall be provided by the Secretary of the Corporation upon written request within 10 days after receiving such request), which must be submitted within 10 days of the Nominating Stockholder’s first submission of any information required by this Section 2.08(f).
The information and documents required by this Section 2.08(f) shall be provided with respect to and executed by the Nominating Stockholder (and each member of a Nominator Group), and provided with respect to the persons specified in Instructions 1 and 2 to Items 6(c) and (d) of Schedule 14N (or any successor item). The Nomination Notice shall be deemed submitted on the date on which all the information and documents referred to in this Section 2.08(f) (other than such information and documents required to be provided after the date the Nomination Notice is first submitted) have been delivered to or, if sent by mail, received by the Secretary of the Corporation.
(g)Exclusion or Disqualification of Stockholder Nominees.
(i)If, after the deadline for submitting a Nomination Notice as set forth in Section 2.08(e), a Nominating Stockholder becomes ineligible or withdraws its nomination or a Stockholder Nominee becomes ineligible or unwilling to serve on the Board of Directors, whether before or after the mailing of the definitive proxy statement, the Corporation:
(A)shall not be required to include in its proxy statement or on any ballot or form of proxy the Stockholder Nominee or any successor or replacement nominee proposed by the Nominating Stockholder or by any other Nominating Stockholder; and
(B)may otherwise communicate to its stockholders, including without limitation by amending or supplementing its proxy statement or ballot or form of proxy, that the
16

Stockholder Nominee will not be included as a Stockholder Nominee in the proxy statement or on any ballot or form of proxy and will not be voted on at the annual meeting.
(ii)Notwithstanding anything to the contrary contained in this Section 2.08, the Corporation may omit from its proxy materials any Stockholder Nominee, and any information concerning such Stockholder Nominee (including a Nominating Stockholder’s statement in support), and in such case such nomination shall be disregarded and no vote on such Stockholder Nominee will occur (notwithstanding that proxies in respect of such vote may have been received by the Corporation), and the Nominating Stockholder may not, after the last day on which a Nomination Notice would be timely, cure in any way any defect preventing the nomination of the Stockholder Nominee, if:
(A)the Corporation receives a notice (whether or not subsequently withdrawn) that a stockholder intends to nominate any candidate for election to the Board of Directors at the annual meeting pursuant to the advance notice requirements for stockholder nominees set forth in Section 2.07;
(B)the Nominating Stockholder has engaged in a “solicitation” within the meaning of Rule 14a-1(l) under the Exchange Act with respect to the annual meeting, other than with respect to such Nominating Stockholder’s Stockholder Nominee(s) or any nominee of the Board of Directors;
(C)the Nominating Stockholder has engaged in, other than with respect to such Nominating Stockholder’s Stockholder Nominee(s) or any nominee of the Board of Directors, (1) an exempt solicitation as described in Rule 14a-2(b) under the Exchange Act, or (2) any communication, as described in Rule 14a-1(l)(2)(iv) under the Exchange Act, stating how the Nominating Stockholder intends to vote at the annual meeting and the reasons therefor;
(D)the Nominating Stockholder or the Authorized Group Member, as applicable, or any qualified representative thereof, does not appear at the annual meeting to present the nomination submitted in accordance with this Section 2.08;
(E)the Board of Directors, acting in good faith, determines that such Stockholder Nominee’s nomination or election to the Board of Directors would result in the Corporation violating or failing to be in compliance with these Bylaws or the Restated Certificate of Incorporation, or any applicable law, rule or regulation to which the Corporation is subject, including the Stock Exchange Rules;
(F)the Stockholder Nominee was nominated for election to the Board of Directors pursuant to this Section 2.08 at one of the Corporation’s two preceding annual meetings of stockholders and either withdrew from or became ineligible or unavailable for election at such annual meeting or received a vote of less than 25% of the shares of common stock entitled to vote for such Stockholder Nominee;
(G)the Stockholder Nominee has been, within the past three years, an officer or director of a competitor, as defined for purposes of Section 8 of the Clayton Antitrust Act of 1914, as amended;
(H)the Stockholder Nominee is a director, trustee, officer or employee with management functions for any (1) depository institution or depository holding company that is not affiliated with the Corporation, each as defined in the Interlocks Act and the rules and regulations thereunder, or (2) entity that has been designated as a systemically important financial institution pursuant to the Dodd-Frank Act and the rules and regulations thereunder;
17

(I)the Stockholder Nominee’s election as a member of the Board of Directors would cause or otherwise require the Corporation to seek, or assist in the seeking of, advance approval or to obtain, or assist in the obtaining of, an interlock waiver pursuant to the rules or regulations of the Board of Governors of the Federal Reserve System or the Office of the Comptroller of the Currency, United States Department of the Treasury;
(J)the Nominating Stockholder has failed to continue to satisfy the eligibility requirements described in Section 2.08(d), any of the representations and warranties made in the Nomination Notice ceases to be true and accurate in all material respects (or omits a material fact necessary to make the statement made not misleading), the Stockholder Nominee becomes unwilling or unable to serve on the Board of Directors or any violation or breach occurs of any of the obligations, agreements, representations or warranties of the Nominating Stockholder or the Stockholder Nominee under or pursuant to this Section 2.08.
(iii)Notwithstanding anything to the contrary contained in this Section 2.08, the Corporation may omit from its proxy statement, or may supplement or correct, any information, including all or any portion of the statement in support of the Stockholder Nominee included in the Nomination Notice, if:
(A)such information is not true in all material respects or omits a material statement necessary to make the statements made not misleading;
(B)such information directly or indirectly impugns the character, integrity or personal reputation of, or directly or indirectly makes charges concerning improper, illegal or immoral conduct or associations, without factual foundation, with respect to, any individual, corporation, partnership, association or other entity, organization or governmental authority;
(C)the inclusion of such information in the proxy statement would otherwise violate the Securities and Exchange Commission proxy rules or any other applicable law, rule or regulation; or
(D)the inclusion of such information in the proxy statement would impose a material risk of liability upon the Corporation.
(iv)The Corporation may solicit against, and include in the proxy statement its own statement relating to, any Stockholder Nominee.
Section 2.09.Submission of Questionnaire, Representation and Agreement; Interviews. To be eligible to be a nominee for election or reelection, and to serve, as a director of the Corporation, a person must deliver (in accordance with the time periods prescribed for delivery of notice or a request for special meeting under Section 2.02, Section 2.07 or Section 2.08, as applicable) to the Secretary at the Corporation’s principal place of business a written questionnaire with respect to the background and qualification of such person and the background of any other person or entity on whose behalf the nomination is being made (which questionnaire shall be provided by the Secretary upon written request within 10 days after receiving such request) and a written representation and agreement (which written representation and agreement shall be provided by the Secretary upon written request within 10 days after receiving such request) that such person (i) is not and will not become a party to (A) any Voting Commitment that has not been disclosed to the Corporation or (B) any Voting Commitment that could limit or interfere with such person’s ability to comply, if elected as a director of the Corporation, with such person’s fiduciary duties under applicable law, (ii) is not and will not become a party to any Compensation Arrangement (A) in connection with such person’s nomination or candidacy for director of the Corporation that has not been disclosed to the Corporation or (B) in connection with service or action as a director of the Corporation, (iii) will comply with all informational and similar requirements of applicable insurance policies and laws and regulations, (iv) in such person’s individual capacity and on behalf of any person or entity on whose behalf the nomination is being made, if elected as a director of the Corporation, will be in compliance with, and will in the future comply with, all applicable
18

laws (including, without limitation, fiduciary duty requirements), policies and guidelines of the Corporation, including, without limitation, those relating to corporate governance, conflict of interest, confidentiality, stock ownership and securities trading, (v) if elected as a director of the Corporation, will act in the best interests of the Corporation and its stockholders and not in the interests of individual constituencies, and (vi) will promptly provide to the Corporation such other information as it may reasonably request. The Board of Directors may require any proposed director nominee to submit to interviews with the Board of Directors or any committee thereof to determine the eligibility, suitability or qualifications of such nominee to serve as a director, and such nominee shall make himself or herself available for any such interviews within no less than 10 business days following the date of such request.
Section 2.10.Procedure for Election of Directors; Voting. Except as otherwise provided by law or pursuant to any regulation applicable to the Corporation or its securities, the rules or regulations of any stock exchange applicable to the Corporation, the Restated Certificate of Incorporation or these Bylaws, all matters other than the election of directors submitted to the stockholders at any meeting shall be decided by the affirmative vote of a majority of the voting power of the shares present in person or represented by proxy at the meeting and entitled to vote thereon, and where a separate vote by class is required, a majority of the voting power of the shares of that class present in person or represented by proxy at the meeting and entitled to vote thereon.
Unless the Chairman of the Board determines otherwise, the vote on any matter, including the election of directors, shall be by written ballot. Each ballot shall be signed by the stockholder voting, or by such stockholder’s proxy, and, if required by the Chairman of the Board, shall state the number of shares voted.
Section 2.11.Inspector of Elections; Opening and Closing of Polls; Conduct of Meetings. (a) The Board of Directors by resolution shall appoint one or more inspectors, which inspector or inspectors may not be directors, officers or employees of the Corporation, to act at the meeting and make a written report thereof. One or more persons may be designated as alternate inspectors to replace any inspector who fails to act. If no inspector or alternate has been appointed to act, or if all inspectors or alternates who have been appointed are unable to act, at a meeting of stockholders, the Chairman of the Board shall appoint one or more inspectors to act at the meeting. Each inspector, before discharging his or her duties, shall take and sign an oath faithfully to execute the duties of inspector with strict impartiality and according to the best of his or her ability. The inspectors shall have the duties prescribed by the DGCL.
(a)The Chairman of the Board shall fix and announce at the meeting the date and time of the opening and the closing of the polls for each matter upon which the stockholders will vote at the meeting.
(b)The Chairman of the Board shall act as chairman of meetings of stockholders of the Corporation. The Board of Directors may designate any other director or officer of the Corporation to act as chairman of any meeting of stockholders in the absence of the Chairman of the Board of Directors, and the Board of Directors may further provide for determining who shall act as chairman of any meeting of stockholders in the absence of the Chairman of the Board and such designee. The Board of Directors may adopt by resolution such rules and regulations for the conduct of the meeting of stockholders as it shall deem appropriate. Except to the extent inconsistent with such rules and regulations as adopted by the Board of Directors, the person presiding over any meeting of stockholders shall have the right and authority to convene and (for any or no reason) to recess or adjourn the meeting (whether or not a quorum is present), to prescribe such rules, regulations and procedures and to do all such acts as, in the judgment of such presiding person, are appropriate or convenient for the proper conduct of the meeting. Such rules, regulations or procedures, whether adopted by the Board of Directors or prescribed by the presiding person of the meeting, may include, without limitation, the following: (i) the establishment of an agenda or order of business for the meeting; (ii) rules and procedures for maintaining order at the meeting and the safety of those present; (iii) limitations on attendance at or participation in the meeting to stockholders of record of the Corporation, their duly authorized and constituted proxies or such other persons as the presiding person of the meeting shall determine; (iv) restrictions on entry to the meeting after the time fixed for the commencement thereof; (v) limitations on the time allotted to questions or comments by participants and whether a session for questions and comments will occur only after the meeting has concluded; (vi) removal of any stockholder or any other individual who refuses to comply with meeting procedures, rules or guidelines; (vii) conclusion, recess or adjournment of the
19

meeting, regardless of whether a quorum is present, to a later date and time and at a place, if any, announced at the meeting; (viii) restrictions on the use of audio and video recording devices, cell phones and other electronic devices; (ix) rules, regulations or procedures for compliance with any state and local laws and regulations concerning safety, health and security; (x) procedures (if any) requiring attendees to provide the Corporation advance notice of their intent to attend the meeting and (xi) any guidelines and procedures as the presiding person at any meeting of stockholders may deem appropriate regarding the participation by means of remote communication of stockholders and proxyholders not physically present at a meeting, whether such meeting is to be held at a designated place or solely by means of remote communication. The presiding person at any meeting of stockholders, in addition to making any other determinations that may be appropriate to the conduct of the meeting, shall, if the facts warrant, determine and declare to the meeting that a matter or business was not properly brought before the meeting and if such presiding person should so determine, such presiding person shall so declare to the meeting and any such matter or business not properly brought before the meeting shall not be transacted or considered. Unless and to the extent determined by the Board of Directors or the person presiding over the meeting, meetings of stockholders shall not be required to be held in accordance with the rules of parliamentary procedure.
Section 2.12.Confidential Stockholder Voting. All proxies, ballots and votes, in each case to the extent they disclose the specific vote of an identified stockholder, shall be tabulated and certified by an independent tabulator, inspector of elections and/or other independent parties and shall not be disclosed to any director, officer or employee of the Corporation; provided, however, that, notwithstanding the foregoing, any and all proxies, ballots, and voting tabulations may be disclosed: (a) as necessary to meet legal requirements or to assist in the pursuit or defense of legal action; (b) if the Corporation concludes in good faith that a bona fide dispute exists as to the authenticity of one or more proxies, ballots or votes, or as to the accuracy of any tabulation of such proxies, ballots or votes; (c) in the event of a proxy, consent or other solicitation in opposition to the voting recommendation of the Board of Directors; or (d) if the stockholder requests, or consents to disclosure of the stockholder’s vote or writes comments on the stockholder’s proxy card or ballot.
ARTICLE 3.
BOARD OF DIRECTORS
Section 3.01.General Powers. The business and affairs of the Corporation shall be managed by or under the direction of its Board of Directors. In addition to the powers and authorities by these Bylaws expressly conferred upon them, the Board of Directors may exercise all such powers of the Corporation and do all such lawful acts and things as are not by law or by the Restated Certificate of Incorporation or by these Bylaws required to be exercised or done by the stockholders.
Section 3.02.Number, Tenure and Qualifications. Subject to the rights of the holders of any series of Preferred Stock, or any other series or class of stock as set forth in the Restated Certificate of Incorporation, to elect directors (“Preferred Stock Directors”) under specified circumstances, the number of directors shall be fixed from time to time exclusively pursuant to a resolution adopted by the Board of Directors, but shall consist of not less than three nor more than fifteen directors (exclusive of Preferred Stock Directors). However, no decrease in the number of directors constituting the Board of Directors shall shorten the term of any incumbent director.
(b)Except as otherwise provided in this Section 3.02, each director shall be elected by the vote of the majority of the votes cast with respect to that director’s election at any meeting for the election of directors at which a quorum is present, provided that if, as of the 10th day preceding the date the Corporation first mails its notice of meeting for such meeting to the stockholders of the Corporation, the number of nominees exceeds the number of directors to be elected (a “Contested Election”), the directors shall be elected by the vote of a plurality of the votes cast. For purposes of this Section 3.02, a majority of votes cast shall mean that the number of votes cast “for” a director’s election exceeds the number of votes cast “against” that director’s election (with “abstentions” and “broker nonvotes” not counted as a vote cast either “for” or “against” that director’s election).
(c)In order for any incumbent director to become a nominee of the Board of Directors for further service on the Board of Directors, such person must submit an irrevocable resignation, provided that such resignation shall be effective if (i) that person shall not receive a majority of the votes cast in an election that is not a
20

Contested Election, and (ii) the Board of Directors shall accept that resignation in accordance with the policies and procedures adopted by the Board of Directors for such purpose. In the event an incumbent director fails to receive a majority of the votes cast in an election that is not a Contested Election, the nominating and governance committee of the Board of Directors, or such other committee designated by the Board of Directors pursuant to Section 3.09 of these Bylaws, shall make a recommendation to the Board of Directors as to whether to accept or reject the resignation of such incumbent director, or whether other action should be taken. The Board of Directors shall act on the resignation, taking into account the committee’s recommendation, and publicly disclose (by a press release and filing an appropriate disclosure with the Securities and Exchange Commission) its decision regarding the resignation and, if such resignation is rejected, the rationale behind the decision within 90 days following certification of the election results.
(d)If the Board of Directors accepts a director’s resignation pursuant to this Section 3.02, or if a nominee for director is not elected and the nominee is not an incumbent director, then the Board of Directors may fill the resulting vacancy pursuant to Article 7 of the Restated Certificate of Incorporation or may decrease the size of the Board of Directors pursuant to the provisions of this Section 3.02.
Section 3.03.Regular Meetings. The Board of Directors may, by resolution, provide the time and place (if any) for the holding of regular meetings without other notice than such resolution. Unless otherwise determined by the Board of Directors, the Secretary or an Assistant Secretary of the Corporation shall act as secretary at all regular meetings of the Board of Directors and in the absence of the Secretary and any Assistant Secretary, a temporary secretary shall be appointed by the chairman of the meeting.
Section 3.04.Special Meetings. Special meetings of the Board of Directors shall be called at the request of the Chairman of the Board or a majority of the Board of Directors. The person or persons authorized to call special meetings of the Board of Directors may fix the place (if any) and time of the meetings. Unless otherwise determined by the Board of Directors, the Secretary or an Assistant Secretary of the Corporation shall act as secretary at all special meetings of the Board of Directors and in the absence of the Secretary and any Assistant Secretary, a temporary secretary shall be appointed by the chairman of the meeting.
Section 3.05.Notice. Notice of any special meeting shall be mailed to each director at his or her business or residence not later than three days before the day on which such meeting is to be held, or shall be sent not later than the day before such day of meeting by telegraph or facsimile or other electronic transmission, or, subject to Section 8.01 of these Bylaws, personally or by telephone (including without limitation to a representative of the director or to the director’s electronic voice message system) or on such shorter notice as the person or persons calling such meeting may deem necessary or appropriate in the circumstances. Neither the business to be transacted at, nor the purpose of, any regular or special meeting of the Board of Directors need be specified in the notice of such meeting, except for amendments to these Bylaws as provided pursuant to Section 8.01 hereof. A meeting may be held at any time without notice if all the directors are present (except as otherwise provided by law) or if those not present waive notice of the meeting in accordance with Section 6.04 hereof, either before or after such meeting.
Section 3.06.Action Without Meeting. Any action required or permitted to be taken at any meeting of the Board of Directors or of any committee thereof may be taken without a meeting if all members of the Board of Directors or such committee, as the case may be, consent thereto in writing, or by electronic transmission and the writing or writings or electronic transmission or transmissions are filed with the minutes of proceedings of the Board, or committee. Such filing shall be in paper form if the minutes are maintained in paper form and shall be in electronic form if the minutes are maintained in electronic form. Any person (whether or not then a director) may provide, whether through instruction to an agent or otherwise, that a consent to action will be effective at a future time (including a time determined upon the happening of an event), no later than 60 days after such instruction is given or such provision is made and such consent shall be deemed to have been given for purposes of this subsection at such effective time so long as such person is then a director and did not revoke the consent prior to such time. Any such consent shall be revocable prior to its becoming effective.
21

Section 3.07.Conference Telephone Meetings. Members of the Board of Directors, or any committee thereof, may participate in a meeting of the Board of Directors or such committee by means of conference telephone or other communications equipment by means of which all persons participating in the meeting can hear each other, and such participation in a meeting shall constitute presence in person at such meeting.
Section 3.08.Quorum. At all meetings of the Board of Directors, a majority of the total number of directors specified in the resolution pursuant to Section 3.02 of these Bylaws which the Corporation would have if there were no vacancies (such total number of Directors, the “entire Board of Directors”) shall constitute a quorum for the transaction of business. At all meetings of the committees of the Board of Directors, the presence of 50% or more of the total number of members (assuming no vacancies) shall constitute a quorum. The act of the directors or committee members present at any meeting at which there is a quorum shall be the act of the Board of Directors or such committee, as the case may be, except as otherwise provided in the DGCL, the Restated Certificate of Incorporation or these Bylaws. If a quorum shall not be present at any meeting of the Board of Directors or any committee, a majority of the directors or members, as the case may be, present thereat may adjourn the meeting from time to time without further notice other than announcement at the meeting.
Section 3.09.Committees. The Corporation shall have four standing committees: the nominating and governance committee, the audit committee, the compensation and leadership development committee and the risk oversight committee. Each such standing committee shall consist of such number of directors of the Corporation and shall have such powers and authority as shall be determined by resolution of the Board of Directors.
(b)In addition, the Board of Directors may designate one or more additional committees, with each such committee consisting of such number of directors of the Corporation and having such powers and authority as shall be determined by resolution of the Board of Directors.
(c)All acts done by any committee within the scope of its powers and authority pursuant to these Bylaws and the resolutions adopted by the Board of Directors in accordance with the terms hereof shall be deemed to be, and may be certified as being, done or conferred under authority of the Board of Directors. The Secretary or any Assistant Secretary is empowered to certify that any resolution duly adopted by any such committee is binding upon the Corporation and to execute and deliver such certifications from time to time as may be necessary or proper to the conduct of the business of the Corporation.
(d)Regular meetings of committees shall be held at such times as may be determined by resolution of the Board of Directors or the committee in question and no notice shall be required for any regular meeting other than such resolution. A special meeting of any committee shall be called by resolution of the Board of Directors, or by the Secretary or an Assistant Secretary upon the request of the chairman or a majority of the members of such committee. Notice of special meetings shall be given to each member of the committee in the same manner as that provided for in Section 3.05 of these Bylaws.
Section 3.10.Committee Members. Each member of any committee of the Board of Directors shall hold office until such member’s successor is elected and has qualified, unless such member sooner dies, resigns or is removed.
(b)The Board of Directors may designate one or more directors as alternate members of any committee to fill any vacancy on a committee and to fill a vacant chairmanship of a committee, occurring as a result of a member or chairman leaving the committee, whether through death, resignation, removal or otherwise.
Section 3.11.Committee Secretary. Each committee may elect a secretary for such committee. Unless otherwise determined by the committee, the Secretary or an Assistant Secretary of the Corporation shall act as secretary at all regular meetings and special meetings of the committee, and in the absence of the Secretary or any Assistant Secretary a temporary secretary shall be appointed by the chairman of the meeting.
22

Section 3.12.Compensation. The directors may be paid their expenses, if any, of attendance at each meeting of the Board of Directors and may be paid compensation as director, lead director or chairman of any committee. Members of special or standing committees may be allowed compensation and payment of expenses.
ARTICLE 4.
CHAIRMAN AND OFFICERS
Section 4.01.General. The Board of Directors shall elect a Chairman of the Board; a Chief Executive Officer; a President; a Chief Financial Officer; a General Counsel; a Secretary; one or more Assistant Secretaries; a Treasurer; one or more Assistant Treasurers; and such other officers as in the judgment of the Board of Directors may be necessary or desirable, including one or more Executive Vice Presidents, one or more Senior Vice Presidents and one or more Vice Presidents. All officers chosen by the Board of Directors shall have such powers and duties as generally pertain to their respective offices, subject to the specific provisions of this Article 4. Such officers shall also have powers and duties as from time to time may be conferred by the Board of Directors or any committee thereof. Any number of offices may be held by the same person, unless otherwise prohibited by law, the Restated Certificate of Incorporation or these Bylaws. The officers of the Corporation need not be stockholders or directors of the Corporation, except that the Chief Executive Officer shall be a member of the Board of Directors.
Section 4.02.Election and Term of Office. The elected officers of the Corporation shall be elected annually by the Board of Directors at the regular meeting of the Board of Directors held after each annual meeting of the stockholders. If the election of officers shall not be held at such meeting, such election shall be held as soon thereafter as convenient. Each officer shall hold office until his successor shall have been duly elected and shall have qualified or until his death or until he shall resign or be removed.
Section 4.03.Chairman of the Board. The Chairman of the Board may be, but need not be, a person other than the Chief Executive Officer of the Corporation. The Chairman of the Board may be, but need not be, an officer or employee of the Corporation. The Chairman of the Board, if present, shall preside at all meetings of the Board of Directors and at all meetings of the stockholders of the Corporation. In the absence or disability of the Chairman of the Board and subject to Section 2.11(b), the duties of the Chairman of the Board shall be performed and the authority of the Chairman of the Board may be exercised by a director (or in the case of the duties of the Chairman at a meeting of stockholders, by any person) designated for this purpose by the Board of Directors.
Section 4.04.Chief Executive Officer. The Chief Executive Officer shall be a member of the Board of Directors. The Chief Executive Officer shall be the chief executive officer of the Corporation and shall supervise, coordinate and manage the Corporation’s business and activities and supervise, coordinate and manage its operating expenses and capital allocation, shall have general authority to exercise all the powers necessary for the Chief Executive Officer of the Corporation and shall perform such other duties and have such other powers as may be prescribed by the Board of Directors or these Bylaws, all in accordance with basic policies as established by and subject to the oversight of the Board of Directors.
Section 4.05.President. The President shall have general authority to exercise all the powers necessary for the President of the Corporation and shall perform such other duties and have such other powers as may be prescribed by the Board of Directors or these Bylaws, all in accordance with basic policies as established by and subject to the oversight of the Board of Directors and the Chief Executive Officer.
Section 4.06.Chief Financial Officer. The Chief Financial Officer shall have responsibility for the financial affairs of the Corporation and shall exercise supervisory responsibility for the performance of the duties of the Treasurer. The Chief Financial Officer shall perform such other duties and have such other powers as may be prescribed by the Board of Directors or these Bylaws, all in accordance with basic policies as established by and subject to the oversight of the Board of Directors and the Chief Executive Officer.
Section 4.07.General Counsel. The General Counsel shall have responsibility for the legal affairs of the Corporation. The General Counsel shall perform such other duties and have such other powers as may be
23

prescribed by the Board of Directors or these Bylaws, all in accordance with basic policies as established by and subject to the oversight of the Board of Directors and the Chief Executive Officer.
Section 4.08.Vacancies. A newly created office and a vacancy in any office because of death, resignation, or removal may be filled by the Board of Directors for the unexpired portion of the terms at any meeting of the Board of Directors.
ARTICLE 5.
STOCK CERTIFICATES AND TRANSFERS
Section 5.01.Stock Certificates and Transfers. The interest of each stockholder of the Corporation shall be evidenced by certificates for shares of stock in such form as the appropriate officers of the Corporation may from time to time prescribe; provided that the Board of Directors may provide by resolution or resolutions that all or some of all classes or series of the stock of the Corporation shall be represented by uncertificated shares. Every holder of stock represented by certificates shall be entitled to have a certificate, representing the number of shares registered in certificate form, signed by, or in the name of the Corporation by, any two authorized officers, which shall include any two of the Chairman of the Board, the Chief Executive Officer, the President, any Vice President, the Treasurer, an Assistant Treasurer, the Secretary or an Assistant Secretary of the Corporation. Except as otherwise expressly provided by law, the rights and obligations of the holders of uncertificated stock and the rights and obligations of the holders of certificates representing stock of the same class and series shall be identical.
(b)Any or all of the signatures on the certificates (if any) representing the stock of the Corporation may be facsimile. In case any officer, transfer agent or registrar who has signed or whose facsimile signature has been placed upon a certificate has ceased to be such officer, transfer agent or registrar before such certificate is issued, it may be issued by the Corporation with the same effect as if he were such officer, transfer agent or registrar at the date of issue.
(c)The shares of the stock of the Corporation represented by certificates shall be transferred on the books of the Corporation by the holder thereof in person or by his attorney, upon surrender for cancellation of certificates for the same number of shares, with an and power of transfer endorsed thereon or attached thereto, duly executed, with such proof of the authenticity of the signature as the Corporation or its agents may reasonably require. Upon receipt of proper transfer instructions from the registered owner of uncertificated shares such uncertificated shares shall be canceled and issuance of new equivalent uncertificated shares or certificated shares (if authorized) shall be made to the person entitled thereto and the transaction shall be recorded upon the books of the Corporation. Within a reasonable time after the issuance or transfer of uncertificated stock, the Corporation shall send to the registered owner thereof a notice, in writing or by electronic transmission, containing the information required to be set forth or stated on certificates pursuant to the DGCL or, unless otherwise provided by DGCL, a statement that the Corporation will furnish without charge to each stockholder who so requests the powers, designations, preferences and relative participating, optional or other special rights of each class of stock or series thereof and the qualifications, limitations or restrictions of such preferences and/or rights.
Section 5.02.Lost, Stolen or Destroyed Certificates. The Corporation may issue a new certificate of stock or uncertificated shares in place of any certificate theretofore issued by it, alleged to have been lost, stolen or destroyed, and the Corporation may require the owner of the lost, stolen or destroyed certificate, or such owner’s legal representative to give the Corporation a bond sufficient to indemnify it against any claim that may be made against it on account of the alleged loss, theft or destruction of any such certificate or the issuance of such new certificate or uncertificated shares.
ARTICLE 6.
MISCELLANEOUS PROVISIONS
Section 6.01.Fiscal Year. The fiscal year of the Corporation shall be as specified by the Board of Directors.
24

Section 6.02.Dividends. The Board of Directors may from time to time declare, and the Corporation may pay, dividends on its outstanding shares in the manner and upon the terms and conditions provided by law and its Restated Certificate of Incorporation.
Section 6.03.Seal. The corporate seal shall have thereon the name of the Corporation and shall be in such form as may be approved from time to time by the Board of Directors or by any officer authorized to do so by the Board of Directors.
Section 6.04.Waiver of Notice. Whenever any notice is required to be given to any stockholder or director of the Corporation under the provisions of the DGCL, a waiver thereof in writing, signed by the person or persons entitled to such notice, or a waiver by electronic transmission by the person entitled to notice, whether before or after the time stated therein, shall be deemed equivalent to the giving of such notice. Neither the business to be transacted at, nor the purpose of, any annual or special meeting of the stockholders or any meeting of the Board of Directors or committee thereof need be specified in any waiver of notice of such meeting.
Section 6.05.Audits. The accounts, books and records of the Corporation shall be audited upon the conclusion of each fiscal year by an independent certified public accountant.
Section 6.06.Resignations. Any director or any officer, whether elected or appointed, may resign at any time upon notice of such resignation to the Corporation.
Section 6.07.    Indemnification and Insurance. Each person who was or is made a party or is threatened to be made a party to or is involved in any manner in any threatened, pending or completed action, suit, or proceeding, whether civil, criminal, administrative or investigative (hereinafter a “proceeding”), by reason of the fact that he or she or a person of whom he or she is the legal representative is or was a director or officer of the Corporation or a director or officer of a Subsidiary, shall be indemnified and held harmless by the Corporation to the fullest extent permitted from time to time by the DGCL as the same exists or may hereafter be amended (but, if permitted by applicable law, in the case of any such amendment, only to the extent that such amendment permits the Corporation to provide broader indemnification rights than said law permitted the Corporation to provide prior to such amendment) or any other applicable laws as presently or hereafter in effect, and such indemnification shall continue as to a person who has ceased to be a director or officer and shall inure to the benefit of his or her heirs, executors and administrators; provided, however, that the Corporation shall indemnify any such person seeking indemnification in connection with a proceeding (or part thereof) initiated by such person only if such proceeding (or part thereof) was authorized by the Board of Directors or is a proceeding to enforce such person’s claim to indemnification pursuant to the rights granted by this Bylaw. At the conclusion of a proceeding, the Board of Directors shall act promptly to determine whether indemnification under this Bylaw is proper in the circumstances and, if indemnification is appropriate, the Board of Directors shall use reasonable efforts to ensure that any indemnification payments are promptly paid. The Corporation shall pay the expenses incurred by such person in defending any such proceeding in advance of its final disposition upon receipt (unless the Corporation upon authorization of the Board of Directors waives such requirement to the extent permitted by applicable law) of an undertaking by or on behalf of such person to repay such amount if it shall ultimately be determined by a final judicial decision of a court of competent jurisdiction from which there is no further right to appeal that such person is not entitled to be indemnified by the Corporation as authorized in this Bylaw or otherwise.
If a claim under this Section 6.07 is not paid in full by the Corporation within 60 days after a written claim has been received by the Corporation, except in the case of a claim for an advancement of expenses, in which case the applicable period shall be 20 days, the indemnitee may at any time thereafter bring suit against the Corporation to recover the unpaid amount of the claim. To the fullest extent permitted by law, if successful in whole or in part in any such suit, or in a suit brought by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the indemnitee shall be entitled to be paid also the expense of prosecuting or defending such suit. In (i) any suit brought by the indemnitee to enforce a right to indemnification hereunder (but not in a suit brought by the indemnitee to enforce a right to an advancement of expenses) it shall be a defense that, and (ii) in any suit brought by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the Corporation shall be entitled to recover such expenses upon a final adjudication that, the indemnitee has not met any
25

applicable standard for indemnification set forth in the DGCL. Neither the failure of the Corporation (including its directors who are not parties to such action, a committee of such directors, independent legal counsel, or its stockholders) to have made a determination prior to the commencement of such suit that indemnification of the indemnitee is proper in the circumstances because the indemnitee has met the applicable standard of conduct set forth in the DGCL, nor an actual determination by the Corporation (including its directors who are not parties to such action, a committee of such directors, independent legal counsel, or its stockholders) that the indemnitee has not met such applicable standard of conduct, shall create a presumption that the indemnitee has not met the applicable standard of conduct or, in the case of such a suit brought by the indemnitee, be a defense to such suit. In any suit brought by the indemnitee to enforce a right to indemnification or to an advancement of expenses hereunder, or brought by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the burden of proving that the indemnitee is not entitled to be indemnified, or to such advancement of expenses, under this Section 6.07 or otherwise shall be on the Corporation.
(b)The indemnification and the advancement of expenses incurred in defending a proceeding prior to its final disposition provided by, or granted pursuant to, this Bylaw shall not be exclusive of any other right which any person may have or hereafter acquire under any statute, provision of the Restated Certificate of Incorporation, other provision of these Bylaws, agreement, vote of stockholders or otherwise. No repeal, modification or amendment of, or adoption of any provision inconsistent with, this Section 6.07, nor to the fullest extent permitted by applicable law, any modification of law, shall adversely affect any right or protection of any person granted pursuant hereto (i) existing at the time of such repeal, modification, amendment or adoption or (ii) arising out of, related to or with respect to any event, act or omission that occurred prior to the time of such repeal, modification, amendment or adoption (regardless, in the case of either clause (i) or (ii), of when the related proceeding (or part thereof) arises or is threatened, commenced or completed).
(c)The Corporation may maintain insurance, at its expense, to protect itself and any person who is or was a director, officer, partner, member, employee or agent of the Corporation or a Subsidiary or of another corporation, partnership, limited liability company, joint venture, trust or other enterprise against any expense, liability or loss, whether or not the Corporation would have the power to indemnify such person against such expense, liability or loss under the DGCL.
(d)The Corporation may, to the extent authorized from time to time by the Board of Directors, grant rights to indemnification, and rights to be paid by the Corporation the expenses incurred in defending any proceeding in advance of its final disposition, to any person who is or was an employee or agent (other than a director or officer) of the Corporation or a Subsidiary and to any person who is or was serving at the request of the Corporation or a Subsidiary as a director, officer, partner, member, employee or agent of another corporation, partnership, limited liability company, joint venture, trust or other enterprise, including service with respect to employee benefit plans maintained or sponsored by the Corporation or a Subsidiary, to the fullest extent of the provisions of this Bylaw with respect to the indemnification and advancement of expenses of directors and officers of the Corporation.
(e)If any provision or provisions of this Bylaw shall be held to be invalid, illegal or unenforceable for any reason whatsoever: (1) the validity, the legality and enforceability of the remaining provisions of this Bylaw (including, without limitation, each portion of any paragraph or clause of this Bylaw containing any such provision held to be invalid, illegal or unenforceable, that is not itself held to be invalid, illegal or unenforceable) shall not in any way be affected or impaired thereby; and (2) to the fullest extent possible, the provisions of this Bylaw (including, without limitation, each such portion of any paragraph of this Bylaw containing any such provision held to be invalid, illegal or unenforceable) shall be construed so as to give effect to the intent manifested by the provision held invalid, illegal or unenforceable.
(f)For purposes of these Bylaws: “Subsidiary” means any corporation, trust, limited liability company or other non-corporate business enterprise in which the Corporation directly or indirectly holds ownership interests representing (1) more than 50% of the voting power of all outstanding ownership interests of such entity (other than directors’ qualifying shares, in the case of a corporation) or (2) the right to receive more than 50% of the
26

net assets of such entity available for distribution to the holders of outstanding ownership interests upon a liquidation or dissolution of such entity.
(g)Any notice, request, or other communication required or permitted to be given to the Corporation under this Bylaw shall be in writing and either delivered in person or sent by telecopy, telex, telegram, overnight mail or courier service, or certified or registered mail, postage prepaid, return receipt requested, to the Secretary or the General Counsel or any designee of the Secretary or the General Counsel and shall be effective only upon receipt by such officer or designee.
(h)In the event of payment under this Section 6.07, the Corporation shall be subrogated to the extent of such payment to all of the rights of recovery of the indemnitee (excluding insurance obtained on the indemnitee’s own behalf), and the indemnitee shall execute all papers required and shall do everything that may be necessary to secure such rights, including the execution of such documents necessary to enable the Corporation effectively to bring suit to enforce such rights.
Section 1.08.Forum for Certain Actions. Unless a majority of the entire Board of Directors, acting on behalf of the Corporation, consents in writing to the selection of an alternative forum, the Court of Chancery of the State of Delaware (or, if the Court of Chancery does not have jurisdiction, another state court located within the State of Delaware or, if no court located within the State of Delaware has jurisdiction, the federal district court for the District of Delaware) shall be the sole and exclusive forum for (i) any derivative action or proceeding brought on behalf of the Corporation, (ii) any action asserting a claim of breach of a fiduciary duty owed by any current or former director, officer or other employee of the Corporation to the Corporation or the Corporation’s stockholders, (iii) any action asserting a claim against the Corporation or any of its current or former directors, officers or other employees arising pursuant to any provision of the DGCL, the Restated Certificate of Incorporation or these Bylaws (in each case, as may be amended from time to time) or (iv) any action asserting a claim against the Corporation or any of its current or former directors, officers or other employees governed by the internal affairs doctrine of the State of Delaware, in all cases subject to the court’s having personal jurisdiction over all indispensable parties named as defendants.
ARTICLE 7.
CONTRACTS, PROXIES, ETC.
Section 7.01.Contracts. Except as otherwise required by law, the Restated Certificate of Incorporation or these Bylaws, any contracts or other instruments may be executed and delivered in the name and on the behalf of the Corporation by such officer or officers of the Corporation as the Board of Directors may from time to time direct. Such authority may be general or confined to specific instances as the Board of Directors may determine. Subject to the control and direction of the Board of Directors, the Chief Executive Officer, the President, the Chief Financial Officer, the General Counsel and the Treasurer may enter into, execute, deliver and amend bonds, promissory notes, contracts, agreements, deeds, leases, guarantees, loans, commitments, obligations, liabilities and other instruments to be made or executed for or on behalf of the Corporation. Subject to any restrictions imposed by the Board of Directors, such officers of the Corporation may delegate such powers to others under his or her jurisdiction, it being understood, however, that any such delegation of power shall not relieve such officer of responsibility with respect to the exercise of such delegated power.
Section 7.02.Proxies. Unless otherwise provided by resolution adopted by the Board of Directors, the Chief Executive Officer or the President may from time to time appoint an attorney or attorneys or agent or agents of the Corporation, in the name and behalf of the Corporation, to cast the votes which the Corporation may be entitled to cast as the holder of stock or other securities in any other corporation or entity, any of whose stock or other securities may be held by the Corporation, at meetings of the holders of the stock or other securities of such other corporation or entity, or to consent in writing, in the name of the Corporation as such holder, to any action by such other corporation or entity, and may instruct the person or persons so appointed as to the manner of casting such vote or giving such consent, and may execute or cause to be executed in the name and on behalf of the Corporation and under its corporate seal or otherwise, all such written proxies or other instruments as he may deem necessary or proper in the premises.
27

ARTICLE 8.
AMENDMENTS
Section 8.01.Amendments. Subject to Section 6.07(b), these Bylaws may be altered, amended or repealed, in whole or in part, or new amended and restated bylaws may be adopted by the stockholders or by the Board of Directors at any meeting thereof; provided, however, that notice of such alteration, amendment, repeal or adoption of new amended and restated bylaws is contained in the notice of such meeting of stockholders or in the notice of such meeting of the Board of Directors and, in the latter case, such notice is given not less than twenty-four hours prior to the meeting. Unless a higher percentage is required by the Restated Certificate of Incorporation as to any matter which is the subject of these Bylaws, all such amendments must be approved by either the holders of a majority of the voting power of the then outstanding Voting Stock or by a majority of the entire Board of Directors.
ARTICLE 9.
EMERGENCY BYLAWS
Section 9.01.Emergency Bylaws. This Article 9 shall be operative during any emergency, disaster or catastrophe, as referred to in Section 110 of the DGCL or other similar emergency condition (including, without limitation, a pandemic), as a result of which a quorum of the Board of Directors or a committee thereof cannot readily be convened for action (each, an “Emergency”), notwithstanding any different or conflicting provision of the preceding Sections of these Bylaws or in the Restated Certificate of Incorporation. To the extent not inconsistent with the provisions of this Article 9, the preceding Sections of these Bylaws and the provisions of the Restated Certificate of Incorporation shall remain in effect during such Emergency, and upon termination of such Emergency, the provisions of this Article 9 shall cease to be operative unless and until another Emergency shall occur.
Section 9.02.Meetings; Notice. During any Emergency, a meeting of the Board of Directors or any committee thereof may be called by any member of the Board of Directors or such committee or the Chairman of the Board, the Chief Executive Officer, the President, the Secretary or a Designated Officer of the Corporation. Notice of the place, date and time of the meeting shall be given by any available means of communication by the person calling the meeting to such of the directors or committee members and Designated Officers (as defined below) as, in the judgment of the person calling the meeting, it may be feasible to reach. Such notice shall be given at such time in advance of the meeting as, in the judgment of the person calling the meeting, circumstances permit.
Section 9.03.Quorum. At any meeting of the Board of Directors called in accordance with Section 9.02 above, the presence or participation of one director shall constitute a quorum for the transaction of business, and at any meeting of any committee of the Board of Directors called in accordance with Section 9.02 above, the presence or participation of one committee member shall constitute a quorum for the transaction of business. In the event that no directors are able to attend a meeting of the Board of Directors or any committee thereof, then the Designated Officers in attendance shall serve as directors, or committee members, as the case may be, for the meeting, without any additional quorum requirement, and will have full powers to act as directors, or committee members, as the case may be, of the Corporation.
Section 9.04.Liability. No officer, director or employee of the Corporation acting in accordance with the provisions of this Article 9 shall be liable except for willful misconduct.
Section 9.05.Amendments. At any meeting called in accordance with Section 9.02 above, the Board of Directors, or any committee thereof, as the case may be, may modify, amend or add to the provisions of this Article 9 as it deems it to be in the best interests of the Corporation so as to make any provision that may be practical or necessary for the circumstances of the Emergency.
Section 9.06.Repeal or Change. The provisions of this Article 9 shall be subject to repeal or change by further action of the Board of Directors or by action of the stockholders, but no such repeal or change shall modify the provisions of Section 9.04 above with regard to action taken prior to the time of such repeal or change.
28

Section 9.07.Definitions. For purposes of this Article 9, the term “Designated Officer” means a member of the Corporation’s Executive Committee, or any successor committee thereto, who shall be deemed to be a director of the Corporation, or a member of a committee of the Board of Directors, as the case may be, for purposes of obtaining a quorum and taking action during an Emergency pursuant to Section 9.03 above, if a quorum of directors or committee members, as the case may be, cannot otherwise be obtained during such Emergency.
29
 EX-31.1 3 dfsex3119302021.htm EX-31.1 Document

Exhibit 31.1
CERTIFICATION
I, Roger C. Hochschild, certify that:
1.I have reviewed this Quarterly Report on Form 10-Q of Discover Financial Services (the "registrant");
2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c)Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d)Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and
5.The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):
a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.
Date: October 28, 2021
/s/ ROGER C. HOCHSCHILD
Roger C. Hochschild
Chief Executive Officer and President

 EX-31.2 4 dfsex3129302021.htm EX-31.2 Document

Exhibit 31.2
CERTIFICATION
I, John T. Greene, certify that:
1.I have reviewed this Quarterly Report on Form 10-Q of Discover Financial Services (the "registrant");
2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c)Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d)Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and
5.The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):
a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.
Date: October 28, 2021
/s/ JOHN T. GREENE
John T. Greene
Executive Vice President, Chief Financial Officer

 EX-32.1 5 dfsex3219302021.htm EX-32.1 Document

Exhibit 32.1
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
In connection with the Quarterly Report of Discover Financial Services (the "Company") on Form 10-Q for the period ended September 30, 2021, as filed with the Securities and Exchange Commission (the "Report"), each of Roger C. Hochschild, Chief Executive Officer and President of the Company, and John T. Greene, Executive Vice President and Chief Financial Officer of the Company, certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:
1.The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
2.The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
Date: October 28, 2021
/s/ ROGER C. HOCHSCHILD
Roger C. Hochschild
Chief Executive Officer and President
Date: October 28, 2021
/s/ JOHN T. GREENE
John T. Greene
Executive Vice President, Chief Financial Officer

 EX-101.SCH 6 dfs-20210930.xsd XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 0001001 - Document - Document and Entity Information link:presentationLink link:calculationLink link:definitionLink 1001002 - Statement - Condensed Consolidated Statements of Financial Condition link:presentationLink link:calculationLink link:definitionLink 1002003 - Statement - Condensed Consolidated Statements of Financial Condition (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 1003004 - Statement - Condensed Consolidated Statements of Income link:presentationLink link:calculationLink link:definitionLink 1004005 - Statement - Condensed Consolidated Statements of Comprehensive Income link:presentationLink link:calculationLink link:definitionLink 1005006 - Statement - Condensed Consolidated Statements of Changes in Stockholders' Equity link:presentationLink link:calculationLink link:definitionLink 1006007 - Statement - Condensed Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 1007008 - Statement - Condensed Consolidated Statements of Cash Flows link:presentationLink link:calculationLink link:definitionLink 2101101 - Disclosure - Background and Basis of Presentation link:presentationLink link:calculationLink link:definitionLink 2202201 - Disclosure - Background and Basis of Presentation (Policies) link:presentationLink link:calculationLink link:definitionLink 2403401 - Disclosure - Background and Basis of Presentation (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 2104102 - Disclosure - Investments link:presentationLink link:calculationLink link:definitionLink 2305301 - Disclosure - Investments (Tables) link:presentationLink link:calculationLink link:definitionLink 2406402 - Disclosure - Investments (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 2407403 - Disclosure - Investments (Schedule of Investment Securities) (Details) link:presentationLink link:calculationLink link:definitionLink 2408404 - Disclosure - Investments (Schedule of Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Fair Value) (Details) link:presentationLink link:calculationLink link:definitionLink 2409405 - Disclosure - Investments (Schedule of Maturities of Available-for-Sale Debt Securities and Held-to-Maturity Debt Securities) (Details) link:presentationLink link:calculationLink link:definitionLink 2110103 - Disclosure - Loan Receivables link:presentationLink link:calculationLink link:definitionLink 2311302 - Disclosure - Loan Receivables (Tables) link:presentationLink link:calculationLink link:definitionLink 2412406 - Disclosure - Loan Receivables (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 2413407 - Disclosure - Loan Receivables (Schedule of Loan Receivables) (Details) link:presentationLink link:calculationLink link:definitionLink 2414408 - Disclosure - Loan Receivables (Schedule of Credit Risk Profile by FICO Score and Origination Year) (Details) link:presentationLink link:calculationLink link:definitionLink 2415409 - Disclosure - Loan Receivables (Schedule of Delinquent Loans by Origination Year) (Details) link:presentationLink link:calculationLink link:definitionLink 2416410 - Disclosure - Loan Receivables (Schedule of Changes in the Allowance for Credit Losses) (Details) link:presentationLink link:calculationLink link:definitionLink 2417411 - Disclosure - Loan Receivables (Schedule of Net Charge-offs of Interest and Fee Revenues on Loan Receivables) (Details) link:presentationLink link:calculationLink link:definitionLink 2418412 - Disclosure - Loan Receivables (Schedule of Delinquent and Non-Accruing Loans) (Details) link:presentationLink link:calculationLink link:definitionLink 2419413 - Disclosure - Loan Receivables (Schedule of Loans That Entered a Modification Program During the Period) (Details) link:presentationLink link:calculationLink link:definitionLink 2420414 - Disclosure - Loan Receivables (Schedule of Troubled Debt Restructurings That Subsequently Defaulted) (Details) link:presentationLink link:calculationLink link:definitionLink 2121104 - Disclosure - Credit Card and Private Student Loan Securitization Activities link:presentationLink link:calculationLink link:definitionLink 2322303 - Disclosure - Credit Card and Private Student Loan Securitization Activities (Tables) link:presentationLink link:calculationLink link:definitionLink 2423415 - Disclosure - Credit Card and Private Student Loan Securitization Activities (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 2424416 - Disclosure - Credit Card and Private Student Loan Securitization Activities (Schedule of Restricted Credit Card Securitized Assets) (Details) link:presentationLink link:calculationLink link:definitionLink 2425417 - Disclosure - Credit Card and Private Student Loan Securitization Activities (Schedule of Restricted Student Loan Securitized Assets) (Details) link:presentationLink link:calculationLink link:definitionLink 2126105 - Disclosure - Intangible Assets (Notes) link:presentationLink link:calculationLink link:definitionLink 2427418 - Disclosure - Intangible Assets (Details) link:presentationLink link:calculationLink link:definitionLink 2128106 - Disclosure - Deposits link:presentationLink link:calculationLink link:definitionLink 2329304 - Disclosure - Deposits (Tables) link:presentationLink link:calculationLink link:definitionLink 2430419 - Disclosure - Deposits (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 2431420 - Disclosure - Deposits (Schedule of Interest Bearing Deposit Accounts) (Details) link:presentationLink link:calculationLink link:definitionLink 2432421 - Disclosure - Deposits (Schedule of $100,000 or More Certificates of Deposit Maturities) (Details) link:presentationLink link:calculationLink link:definitionLink 2433422 - Disclosure - Deposits (Schedule of Certificates of Deposit Maturities) (Details) link:presentationLink link:calculationLink link:definitionLink 2134107 - Disclosure - Long-Term Borrowings link:presentationLink link:calculationLink link:definitionLink 2335305 - Disclosure - Long-Term Borrowings (Tables) link:presentationLink link:calculationLink link:definitionLink 2436423 - Disclosure - Long-Term Borrowings (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 2437424 - Disclosure - Long-Term Borrowings (Schedule of Long-Term Borrowings and Weighted Average Interest Rates) (Details) link:presentationLink link:calculationLink link:definitionLink 2438425 - Disclosure - Long-Term Borrowings (Schedule of Long-Term Borrowings Maturities) (Details) link:presentationLink link:calculationLink link:definitionLink 2139108 - Disclosure - Preferred Stock (Notes) link:presentationLink link:calculationLink link:definitionLink 2340306 - Disclosure - Preferred Stock (Tables) link:presentationLink link:calculationLink link:definitionLink 2441426 - Disclosure - Preferred Stock (Details) link:presentationLink link:calculationLink link:definitionLink 2142109 - Disclosure - Accumulated Other Comprehensive Income link:presentationLink link:calculationLink link:definitionLink 2343307 - Disclosure - Accumulated Other Comprehensive Income (Tables) link:presentationLink link:calculationLink link:definitionLink 2444427 - Disclosure - Accumulated Other Comprehensive Income (Schedule of Changes in Accumulated Other Comprehensive Income (Loss)) (Details) link:presentationLink link:calculationLink link:definitionLink 2445428 - Disclosure - Accumulated Other Comprehensive Income (Schedule of Other Comprehensive Income Before Reclassifications and Amounts Reclassified from AOCI) (Details) link:presentationLink link:calculationLink link:definitionLink 2445428 - Disclosure - Accumulated Other Comprehensive Income (Schedule of Other Comprehensive Income Before Reclassifications and Amounts Reclassified from AOCI) (Details) link:presentationLink link:calculationLink link:definitionLink 2146110 - Disclosure - Income Taxes link:presentationLink link:calculationLink link:definitionLink 2347308 - Disclosure - Income Taxes (Tables) link:presentationLink link:calculationLink link:definitionLink 2448429 - Disclosure - Income Taxes (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 2449430 - Disclosure - Income Taxes (Schedule of Effective Income Tax Rate Calculation) (Details) link:presentationLink link:calculationLink link:definitionLink 2150111 - Disclosure - Earnings Per Share link:presentationLink link:calculationLink link:definitionLink 2351309 - Disclosure - Earnings Per Share (Tables) link:presentationLink link:calculationLink link:definitionLink 2452431 - Disclosure - Earnings Per Share (Schedule of Basic and Diluted EPS ) (Details) link:presentationLink link:calculationLink link:definitionLink 2153112 - Disclosure - Capital Adequacy link:presentationLink link:calculationLink link:definitionLink 2354310 - Disclosure - Capital Adequacy (Tables) link:presentationLink link:calculationLink link:definitionLink 2455432 - Disclosure - Capital Adequacy (Schedule of Minimum and Well-Capitalized Requirements) (Details) link:presentationLink link:calculationLink link:definitionLink 2156113 - Disclosure - Commitments, Contingencies and Guarantees link:presentationLink link:calculationLink link:definitionLink 2357311 - Disclosure - Commitments, Contingencies and Guarantees (Tables) link:presentationLink link:calculationLink link:definitionLink 2458433 - Disclosure - Commitments, Contingencies and Guarantees (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 2459434 - Disclosure - Commitments, Contingencies and Guarantees (Schedule of Maximum Potential Counterparty Exposures Related to Settlement Guarantees and Merchant Chargeback Guarantee) (Details) link:presentationLink link:calculationLink link:definitionLink 2160114 - Disclosure - Litigation and Regulatory Matters link:presentationLink link:calculationLink link:definitionLink 2461435 - Disclosure - Litigation and Regulatory Matters (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 2162115 - Disclosure - Fair Value Measurements link:presentationLink link:calculationLink link:definitionLink 2363312 - Disclosure - Fair Value Measurements (Tables) link:presentationLink link:calculationLink link:definitionLink 2464436 - Disclosure - Fair Value Measurements (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 2465437 - Disclosure - Fair Value Measurements (Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis) (Details) link:presentationLink link:calculationLink link:definitionLink 2466438 - Disclosure - Fair Value Measurements (Schedule of Financial Instruments Measured at Other Than Fair Value) (Details) link:presentationLink link:calculationLink link:definitionLink 2167116 - Disclosure - Derivatives and Hedging Activities link:presentationLink link:calculationLink link:definitionLink 2368313 - Disclosure - Derivatives and Hedging Activities (Tables) link:presentationLink link:calculationLink link:definitionLink 2469439 - Disclosure - Derivatives and Hedging Activities (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 2470440 - Disclosure - Derivatives and Hedging Activities (Schedule of Fair Value and Outstanding Notional Amounts of Derivative Instruments and Related Collateral Balances) (Details) link:presentationLink link:calculationLink link:definitionLink 2471441 - Disclosure - Derivatives and Hedging Activities Derivatives and Hedging Activities (Schedule of Hedged Items in a Fair Value Hedging Relationship) (Details) link:presentationLink link:calculationLink link:definitionLink 2472442 - Disclosure - Derivatives and Hedging Activities (Schedule of Impact of the Derivative Instruments on Income) (Details) link:presentationLink link:calculationLink link:definitionLink 2173117 - Disclosure - Segment Disclosures link:presentationLink link:calculationLink link:definitionLink 2374314 - Disclosure - Segment Disclosures (Tables) link:presentationLink link:calculationLink link:definitionLink 2475443 - Disclosure - Segment Disclosures (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 2476444 - Disclosure - Segment Disclosures (Schedule of Segment Disclosures) (Details) link:presentationLink link:calculationLink link:definitionLink 2177118 - Disclosure - Revenue from Contracts with Customers link:presentationLink link:calculationLink link:definitionLink 2378315 - Disclosure - Revenue from Contracts with Customers (Tables) link:presentationLink link:calculationLink link:definitionLink 2479445 - Disclosure - Revenue from Contracts with Customers (Schedule of Revenue from Contracts with Customers Disaggregated by Business Segment) (Details) link:presentationLink link:calculationLink link:definitionLink 2180119 - Disclosure - Subsequent Events link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 7 dfs-20210930_cal.xml XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT EX-101.DEF 8 dfs-20210930_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT EX-101.LAB 9 dfs-20210930_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT Deposits Interest Expense, Deposits Available-for-sale investment securities, debt maturities, after five years through ten years, amortized cost Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 Hedging Designation [Domain] Hedging Designation [Domain] Other Loans [Member] Other Loans [Member] Other Loans [Member] Other Loans [Member] Accrued interest payables Interest Payable Fair Value Disclosure This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure and may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. This item represents accrued interest payable on all forms of debt, including trade payables, that has been incurred and is unpaid as of the balance sheet date. Unrealized Gains (Losses) on Available-for-Sale Investment Securities, Net of Tax [Member] AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent [Member] Litigation and Regulatory Matters Legal Matters and Contingencies [Text Block] CET1 capital to risk-weighted assets, actual amount Banking Regulation, Common Equity Tier One Risk-Based Capital, Actual Fees accrued subsequently charged-off, net of recoveries (recorded as a reduction to other income) Fees Accrued Subsequently Charged Off Net Of Recoveries Fees accrued subsequently charged off, net of recoveries (recorded as a reduction to other income). Fair Value, Measurements, Fair Value Hierarchy [Domain] Fair Value, Measurements, Fair Value Hierarchy [Domain] Fair Value Hierarchy and NAV [Domain] Net income Net income Net income Net Income (Loss) Attributable to Parent Consolidated Entities [Axis] Consolidated Entities [Axis] Emerging growth company Entity Emerging Growth Company Tier I capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent) Banking Regulation, Tier One Risk-Based Capital Ratio, Well Capitalized, Minimum Cumulative effect of ASU No. 2016-13 adoption Cumulative Effect of ASU No. 2016-13 Adoption Cumulative Effect of ASU No. 2016-13 Adoption Non-interest bearing deposit accounts Noninterest-bearing Deposit Liabilities Preferred Stock, Shares Outstanding Preferred stock, shares outstanding, balance at beginning of period (in shares) Preferred stock, shares outstanding, balance at end of period (in shares) Preferred Stock, Shares Outstanding Income Statement Location [Axis] Derivative Instruments, Gain (Loss) by Income Statement Location [Axis] Income Statement Location [Axis] Statistical Measurement [Domain] Statistical Measurement [Domain] Entity address, address line one Entity Address, Address Line One Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded Total Amounts of Line Items Presented in the Statements of Income Total amounts of income and expense line items presented in the statements of income in which the effects of fair value or cash flow hedges are recorded. Schedule of Net Charge-offs of Interest and Fee Revenues on Loan Receivables Schedule of Net Charge Offs of Interest and Fee Revenues on Loan Receivables [Table Text Block] Table detailing loan balances charged off, net of recoveries. Schedule of Long-Term Borrowings Maturities Schedule of Maturities of Long-term Debt [Table Text Block] Derivative financial instruments, liabilities, fair value Derivative Liability Fair value of marketable equity securities Equity Securities, FV-NI, Current Interest and fees forgiven due to credit card loan modification program Interest and fees forgiven due to loan modification program Amount of interst and fees forgiven as a result of receivables entering loan modification program Proceeds from sale of premises and equipment Proceeds from Sale of Property, Plant, and Equipment Revenue from Contract with Customer [Abstract] Revenue from Contract with Customer [Abstract] Unrealized pension and post-retirement plan gains, net of tax Other Comprehensive (Income) Loss, Defined Benefit Plan, after Tax and Reclassification Adjustment, Attributable to Parent Entity filer category Entity Filer Category FICO distribution %, credit card FICO Distribution %, Revolving FICO score as a percentage of revolving loan receivables Numerator: Earnings Per Share Reconciliation [Abstract] Dividends — preferred stock Preferred stock dividends Dividends, Preferred Stock Commitments, Contingencies and Guarantees Commitments Contingencies and Guarantees [Text Block] Derivative collateral Derivative, Collateral, Right to Reclaim Securities Other income Other income subject to ASC 606 Noninterest Income, Other Available for sale securities, weighted average remaining maturity (in years) Available for sale securities, Weighted Average Remaining Maturity The weighted average remianing maturity of available for sale investment securities. Segments [Axis] Segment Reporting Information, by Segment [Axis] Segments [Axis] 2022 Long-Term Debt, Maturity, Year Two Class of Financing Receivable [Axis] Class of Financing Receivable [Axis] Proceeds from the sale of other investments Proceeds from Sale and Maturity of Other Investments Net unrealized and realized gains on investments and other assets Gain (Loss) on Disposition of Assets Investment securities Interest and Dividend Income, Securities, Operating Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract] Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract] 2021 Long-Term Debt, Maturity, Remainder of Fiscal Year Fair Value Hedging [Member] Fair Value Hedging [Member] Document fiscal year focus Document Fiscal Year Focus Fixed-Rate Asset-Backed Securities [Member] Fixed Rate Asset Backed Securities [Member] Fixed Rate Asset Backed Securities [Member] Litigation settlement, expense Litigation Settlement, Expense Organization, Consolidation and Presentation of Financial Statements [Abstract] Organization, Consolidation and Presentation of Financial Statements [Abstract] Five-Year Treasury Rate Five-Year Treasury Rate [Member] Five-Year Treasury Rate Financial Asset, Past Due Financial Asset, Past Due [Member] Long-term borrowings Long-term borrowings (in dollars) Total Long-term Debt and Lease Obligation Collateral held, derivative assets Derivative, Collateral, Obligation to Return Cash Held-to-maturity investment securities, debt maturities, after five years through ten years, fair value Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 Underlying Asset Class [Axis] Underlying Asset Class [Axis] Schedule of Hedged Items in Fair Value Hedging Relationship [Table] Schedule of Hedged Items in Fair Value Hedging Relationship [Table] Hedged Items in Fair Value Hedging Relationship [Table] Subsequent Events [Abstract] Subsequent Events [Abstract] Provision for credit losses(1) Financing Receivable, Credit Loss, Expense (Reversal) Cash Flow Hedging [Member] Cash Flow Hedging [Member] Available-for-sale investment securities, net unrealized holding gains (losses) arising during the period, net of tax OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax Maturities of available-for-sale investment securities Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale Available-for-sale investment securities, net change, tax benefit (expense) OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax 90 or More Days Delinquent [Member] Financial Asset, Equal to or Greater than 90 Days Past Due [Member] Schedule of Maximum Potential Counterparty Exposures Related to Settlement Guarantees and Merchant Chargeback Guarantee Schedule of Guarantor Obligations [Table Text Block] Number of classes of securities in debt structure (in classes) Number of Classes of Securities Number of classes of securities in the securitization debt structure Assets Assets [Abstract] Fair Value, Nonrecurring [Member] Fair Value, Nonrecurring [Member] 2023 Long-Term Debt, Maturity, Year Three Schedule of Loans That Entered a Modification Program During the Period Schedule of Loans That Entered a Modification Program During the Period [Table Text Block] Table providing information on loans that entered a loan modification program during the period. Other Liabilities [Member] Other Liabilities [Member] Expected EY Annualized Increase in GDP Expected EOY Annualized Increase in GDP Expected EOY Annualized Increase in GDP Expected Future Peak Unemployment Rate Expected Future Peak Unemployment Rate Expected Future Peak Unemployment Rate Derivatives and Hedging Activities Derivative Instruments and Hedging Activities Disclosure [Text Block] Loan receivables, originated prior to 2017 Financing Receivable, Originated, More than Five Years before Current Fiscal Year Schedule of Maturities of Available-for-Sale Debt Securities and Held-to-Maturity Debt Securities Investments Classified by Contractual Maturity Date [Table Text Block] Net income available to common stockholders Net Income Loss Available to Common Stockholders Incl. Participating Securities Amount, after deduction of tax and noncontrolling interests; of income (loss) available to common shareholders. Credit Card and Private Student Loan Securitization Activities Transfers and Servicing of Financial Assets [Text Block] Class of Financing Receivable [Domain] Class of Financing Receivable [Domain] Preferred stock, par value $0.01 per share; 200,000,000 shares authorized; 10,700 shares issued and outstanding at September 30, 2021 and December 31, 2020, respectively Preferred Stock, Value, Issued Entity address, city or town Entity Address, City or Town Amount of civil money penalty for consent order Loss Contingency, Damages Awarded, Value Affordable housing project equity method investments Amortization Method Qualified Affordable Housing Project Investments Trade Names [Member] Trade Names [Member] Retained Earnings [Member] Retained Earnings [Member] Debt Instrument [Axis] Debt Instrument [Axis] 1-Month LIBOR [Member] One-Month London Interbank Offered Rate (LIBOR) [Member] One-Month London Interbank Offered Rate (LIBOR) [Member] Total deposits Deposits Financial Asset, Period Past Due [Domain] Financial Asset, Aging [Domain] Marketing and business development Marketing and Advertising Expense Interest expense Interest Expense [Abstract] Financing Receivable, Past Due [Line Items] Financing Receivable, Past Due [Line Items] Dividends paid on common and preferred stock Payments of Ordinary Dividends Deposits Deposit Liabilities Disclosures [Text Block] Digital Banking [Member] Direct Banking [Member] Direct Banking [Member] Securitized Debt [Member] Secured Debt [Member] Held-to-maturity investment securities, fair value Held-to-maturity investment securities, fair value Held-to-maturity investment securities Debt Securities, Held-to-maturity, Fair Value Derivative Instruments and Hedging Activities Disclosure [Abstract] Derivative Instruments and Hedging Activities Disclosure [Abstract] Schedule of Segment Reporting Information, by Segment [Table] Schedule of Segment Reporting Information, by Segment [Table] Entity interactive data current Entity Interactive Data Current Prime Rate [Member] Prime Rate [Member] Basic earnings per common share Basic earnings per common share (in dollars per share) Earnings Per Share, Basic Total other income (loss) not subject to ASC 606 Noninterest Income not Subject to ASC 606 Noninterest Income not Subject to ASC 606 Other comprehensive (income) loss, defined benefit plan, after reclassification adjustment, after tax Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, after Tax Indefinite-lived Intangible Assets, Major Class Name [Domain] Indefinite-lived Intangible Assets, Major Class Name [Domain] Loan Receivables Financing Receivables [Text Block] Realized gains on equity investments Equity Securities, FV-NI, Realized Gain (Loss) US Treasury and Government US Treasury and Government [Member] Revenue from Contracts with Customers Revenue from Contract with Customer [Text Block] Document type Document Type 2021R Long-Term Debt, Maturity, Year One Loan receivables, 90 or more days delinquent and accruing Financing Receivable, 90 Days or More Past Due, Still Accruing Private Student Loan Securitization Trusts [Member] Student Loan Securitization Trusts [Member] Securitization trusts into which student loan receivables are transferred and from which beneficial interests are issued to investors. Available-for-sale investment securities, debt maturities, after one year through five years, amortized cost Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five Credit Card Securitization Trusts [Member] Credit Card Securitization Trusts [Member] Securitization trusts into which credit card receivables are transferred and from which beneficial interests are issued to investors. Other expense Other Noninterest Expense Schedule of Revenue from Contracts with Customers Disaggregated by Business Segment Disaggregation of Revenue [Table Text Block] Consolidated Entity Excluding Variable Interest Entities (VIE) [Member] Consolidated Entity, Excluding Consolidated VIE [Member] TDRs that subsequently defaulted, number of accounts (in accounts) Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts 2025 Long-Term Debt, Maturity, Year Five Delinquency days to default (in days) Delinquency Days To Default, Troubled Debt Restructurings Number of days a troubled debt restructuring is delinquent before being deemed in default. Fair Value Measurement [Domain] Fair Value Measurement [Domain] Entity current reporting status Entity Current Reporting Status Total capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent) Banking Regulation, Total Risk-Based Capital Ratio, Well Capitalized, Minimum Cumulative Effect, Period of Adoption, Adjustment Cumulative Effect, Period of Adoption, Adjustment [Member] Aggregate sales transaction volume Aggregate Transaction Volume Aggregate sales transaction volume on the Discover Network. Derivative assets Derivative Asset, Fair Value, Gross Asset Restricted cash Restricted cash Restricted Cash and Cash Equivalents Preferred Stock, Dividend Rate, Percentage Preferred Stock, Dividend Rate, Percentage Cash flow hedges, net unrealized gains (losses) arising during the period, before tax Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax Depreciation and amortization Other Depreciation and Amortization Other income Noninterest Income [Abstract] Fixed-Rate Senior Notes [Member] Fixed Rate Senior Notes [Member] Fixed Rate Senior Notes [Member] 2024 Time Deposit Maturities, Year Three Schedule of Hedged Items in Fair Value Hedging Relationship Schedule of Hedged Items in Fair Value Hedging Relationship [Table Text Block] [Table Text Block] for Hedged Items in Fair Value Hedging Relationship [Table] Proceeds from issuance of securitized debt Proceeds from Issuance of Secured Debt Common stock issued under employee benefit plans Stock Issued During Period, Value, Employee Benefit Plan Financing Receivable Portfolio Segment [Axis] Financing Receivable Portfolio Segment [Axis] Level 1 [Member] Fair Value, Inputs, Level 1 [Member] Cash flows provided by (used for) investing activities Net Cash Provided by (Used in) Investing Activities [Abstract] CET1 capital to risk-weighted assets, minimum capital requirements, ratio (in percent) Common Equity Tier One Capital Required for Capital Adequacy to Risk Weighted Assets The minimum Common Equity Tier 1 (CET1) Capital Ratio (common equity tier 1 capital divided by risk weighted assets) for capital adequacy purposes under the regulatory framework for prompt corrective action. Pledged Status [Domain] Pledged Status [Domain] Other, net Other Operating Activities, Cash Flow Statement Net interest income after provision for credit losses Interest Income (Expense), after Provision for Loan Loss Document transition report Document Transition Report Seller's interest Sellers' interest Beneficial interests in consolidated securitization trusts that are retained by the company. Schedule of Delinquent and Non-Accruing Loans Financing Receivable, Past Due [Table Text Block] Income Tax Disclosure [Abstract] Income Tax Disclosure [Abstract] Credit Card Loans [Member] Credit Card Loans [Member] Credit Card Receivable [Member] Schedule of Changes in the Allowance for Credit Losses Financing Receivable, Allowance for Credit Loss [Table Text Block] Total liabilities and stockholders' equity Liabilities and Equity Tier I capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount Banking Regulation, Tier One Risk-Based Capital, Well Capitalized, Minimum Certificates of deposit equal to or greater than $250,000 Time Deposits, at or Above FDIC Insurance Limit Investments, Debt and Equity Securities [Abstract] Investments, Debt and Equity Securities [Abstract] Increase (decrease) in income tax expense/benefit, amount Change in Income Tax Expense (Benefit), Amount The dollar amount of increase (decrease) of income tax expense (benefit) during the reporting period as compared to the same period in the prior year. Cash flow hedges, net change, net of tax Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax Total Time Deposits Over twelve months Contractual Maturities, Time Deposits, $100,000 or More, after 12 Months Contingent liabilities related to affordable housing project equity method investments Qualified Affordable Housing Project Investments, Commitment Available-for-sale investment securities, net change, before tax OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, before Tax Loan receivables, originated in 2018 Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year Financing Receivable [Member] Financing Receivable [Member] Held-to-maturity investment securities, debt maturities, one year or less, amortized cost Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, Year One Additional paid-in capital Additional Paid in Capital DerivativeNumberOfTerminatedInstrumentsAssociatedWithCashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths DerivativeNumberOfTerminatedInstrumentsAssociatedWithCashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths The number of terminated derivative instruments previously designated as a cash flow hedge held by the entity. Other comprehensive (income) loss, defined benefit plan, after reclassification adjustment, tax Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, Tax Impairment of Intangible Assets, Indefinite-lived (Excluding Goodwill) Impairment of Intangible Assets, Indefinite-lived (Excluding Goodwill) Liabilities and Stockholders' Equity Liabilities and Equity [Abstract] Derivative [Line Items] Derivative [Line Items] Hedging Relationship [Domain] Hedging Relationship [Domain] Interest Rate Swaps [Member] Interest Rate Swap [Member] FICO Score, 660 and Above [Member] FICO Score, 660 and Above [Member] FICO Score, 660 and Above [Member] Tier I capital to average assets, actual ratio (in percent) Banking Regulation, Tier One Leverage Capital Ratio, Actual Adjustments to reconcile net income to net cash provided by operating activities: Net Cash Provided by (Used in) Operating Activities, Continuing Operations [Abstract] Earnings Per Share Earnings Per Share [Text Block] Purchases of treasury stock Treasury Stock, Value, Acquired, Cost Method Preferred stock, initial issue date PreferredStockIssueDate The preferred stock issue date. Thereafter Long-Term Debt, Maturity, after Year Five Loan receivables, originated in 2019 Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year Preferred stock, earliest redemption date PreferredStockEarliestRedemptionDate The earliest date the preferred stock can be redeemed. Minimum [Member] Minimum [Member] Loss Contingency [Abstract] Loss Contingency [Abstract] Fixed-Rate Senior Bank Notes [Member] Senior Bank Notes [Member] Senior Bank Notes [Member] Redemption period of preferred stock following regulatory capital treatment event Redemption Period of Preferred Stock Following Regulatory Capital Event Preferred stock is redeemable at Company's option in whole at any time within 90 days following a regulatory capital event. Balance Sheet Location [Domain] Balance Sheet Location [Domain] Schedule of Stock by Class Schedule of Stock by Class [Table Text Block] Indefinite-lived Intangible Assets [Axis] Indefinite-lived Intangible Assets [Axis] Preferred Stock, Shares Authorized Preferred Stock, Shares Authorized CET1 capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent) Common Equity Tier One Capital Required to be Well Capitalized to Risk Weighted Assets Common Equity Tier 1 (CET1) Capital Ratio (common equity tier 1 capital divided by risk weighted assets) required to be categorized as well capitalized under the regulatory framework for prompt corrective action. Available-for-sale investment securities, gross unrealized gains Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax Initial maximum period for cash flow hedges (in years) Maximum Length of Time Hedged in Interest Rate Cash Flow Hedge Available-for-sale investment securities, debt maturities, after ten years, fair value Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 Cumulative Effect, Period of Adoption [Axis] Cumulative Effect, Period of Adoption [Axis] Trading symbol Trading Symbol Net charge-offs Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery Savings deposits, including money market deposit accounts Deposits, Savings Deposits 2024 Long-Term Debt, Maturity, Year Four Stock Issued During Period, Value, New Issues Stock Issued During Period, Value, New Issues Long-Term Borrowings Debt Disclosure [Text Block] Credit loss build (release) on unfunded commitments Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal) 30-89 Days Delinquent [Member] Financing Receivables, 30 to 89 Days Past Due [Member] Financing receivables that are more than 29 days past due but fewer than 90 days past due. Senior Notes [Member] Senior Notes [Member] Level 3 [Member] Fair Value, Inputs, Level 3 [Member] Student Loan Trust [Member] Slc Private Student Loan Trust [Member] All student loan securitization trusts. Derivative Instrument [Axis] Derivative Instrument [Axis] Stock Issued During Period, Shares, New Issues Stock Issued During Period, Shares, New Issues Number of reportable segments (in number of segments) Number of Reportable Segments Escrow deposits and settlement withholdings Settlement Withholdings And Escrow Deposits Amounts withheld from merchants or covered by third-party guarantors, to mitigate the risk of potential loss relating to merchant chargeback guarantees. Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract] Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract] Common stock, par value $0.01 per share; 2,000,000,000 shares authorized; 568,761,125 and 567,898,063 shares issued at September 30, 2021 and December 31, 2020, respectively Common Stock, Value, Issued Disaggregation of Revenue [Line Items] Disaggregation of Revenue [Line Items] Net (decrease) increase in cash, cash equivalents and restricted cash Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect Discover Bank [Member] Discover Bank [Member] Discover Bank [Member] Commitments, contingencies and guarantees (Notes 10, 13 and 14) Commitments and Contingencies Accumulated other comprehensive (loss) income Accumulated other comprehensive income (loss), net of tax, balance at beginning of period Accumulated other comprehensive income (loss), net of tax, balance at end of period Accumulated Other Comprehensive Income (Loss), Net of Tax Schedule of Financial Instruments Measured at Other Than Fair Value Fair Value, by Balance Sheet Grouping [Table Text Block] Receivables [Abstract] Receivables [Abstract] Cash flow hedges, net change, tax benefit (expense) Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, Tax Document period end date Document Period End Date Investments Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] Other comprehensive (income) loss, defined benefit plan, before reclassification adjustment, after tax Other Comprehensive (Income) Loss, Defined Benefit Plan, before Reclassification Adjustment, after Tax Accounting Standards Update 2016-13 [Member] Accounting Standards Update 2016-13 [Member] Held-to-maturity investment securities, debt maturities, after one year through five years, amortized cost Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year One through Five Class of Stock [Axis] Class of Stock [Axis] Entity registrant name Entity Registrant Name Financing Receivable, Credit Quality Indicator [Table] Financing Receivable, Credit Quality Indicator [Table] Treasury Stock, Shares Treasury Stock, Shares Net interest income Net interest income Interest Income (Expense), Net Financing Receivable, Allowance for Credit Loss [Roll Forward] Financing Receivable, Allowance for Credit Loss [Roll Forward] Maximum repayment term for permanent modification programs (in years) Permanent Program Maximum Repayment Term The maximum term over which a borrower in a permanent program can pay off their outstanding balance Pledged Status [Axis] Pledged Status [Axis] Transaction processing revenue Transaction processing revenue Revenues earned from switch fees charged to financial institutions for accessing our network to process transactions and various participation and membership fees. Switch fees are charged on a per transaction basis. Investors' interest Investors Interests Beneficial interests in consolidated securitization trusts that are issued to third party investors. Available-for-sale investment securities, net unrealized holding gains (losses) arising during the period, tax benefit (expense) OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, Tax Interest rate terms Debt Instrument, Interest Rate Terms Financial Instrument [Axis] Financial Instrument [Axis] Dividends declared, common stock (dollars per share) Common Stock, Dividends, Per Share, Declared Total other income subject to ASC 606 Revenue from Contract with Customer, Excluding Assessed Tax Loan receivables, originated in 2020 Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year Other interest income Other Interest and Dividend Income Consumer Financial Protection Bureau Consent Order [Member] Consumer Financial Protection Bureau Consent Order [Member] Consumer Financial Protection Bureau Consent Order [Member] Consolidation Items [Domain] Consolidation Items [Domain] Carrying Value [Member] Reported Value Measurement [Member] Fair Value Hierarchy and NAV [Axis] Fair Value Hierarchy and NAV [Axis] Equity [Abstract] Equity [Abstract] Financing Receivable, Troubled Debt Restructuring [Table] Financing Receivable, Troubled Debt Restructuring [Table] Held-to-maturity investment securities, gross unrealized losses Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss Loan fee income Loan fee income Loan Fee Income Available-for-sale investment securities, continuous unrealized loss position, less than 12 months, fair value Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months Common Stock [Member] Common Stock [Member] Variable Rate [Axis] Variable Rate [Axis] Segment Disclosures Segment Reporting Disclosure [Text Block] Professional fees Professional Fees Tier I capital to average assets, minimum capital requirements, ratio (in percent) Banking Regulation, Tier One Leverage Capital Ratio, Capital Adequacy, Minimum Deposits [Member] Deposits [Member] Financial Asset, Period Past Due [Axis] Financial Asset, Aging [Axis] Available-for-sale investment securities, debt maturities, after one year through five years, fair value Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five Available-for-sale investment securities, gross unrealized losses Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax Background and Basis of Presentation Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies [Text Block] Hedging Designation [Axis] Hedging Designation [Axis] Asset Not Pledged as Collateral [Member] Asset Not Pledged as Collateral [Member] Recognized gains (losses) on available-for-sale securities Debt Securities, Available-for-sale, Realized Gain (Loss) Increase (Decrease) in Stockholders' Equity [Roll Forward] Increase (Decrease) in Stockholders' Equity [Roll Forward] CET1 capital to risk-weighted assets, minimum capital requirements, amount Banking Regulation, Common Equity Tier One Risk-Based Capital, Capital Adequacy, Minimum Long-term Borrowings [Member] Long-term Debt [Member] Variable Rate [Domain] Variable Rate [Domain] Purchases of other investments Payments to Acquire Other Investments Additional Paid-in Capital [Member] Additional Paid-in Capital [Member] Cash and cash equivalents Cash and Cash Equivalents, at Carrying Value Schedule of Troubled Debt Restructurings That Subsequently Defaulted Schedule of Troubled Debt Restructurings That Subsequently Defaulted [Table Text Block] Schedule of Troubled Debt Restructurings That Subsequently Defaulted [Table Text Block] Series D Preferred Stock Series D Preferred Stock [Member] Long-term Debt, Type [Domain] Long-term Debt, Type [Domain] Other Financing Receivable, Allowance for Credit Loss, Other Adjustment Amount of other addition (reduction) in allowance for credit loss Treasury Stock [Member] Treasury Stock [Member] Preferred stock, liquidation preference per share Preferred Stock, Liquidation Preference Per Share Cumulative amount of fair value hedging adjustment increasing (decreasing) the carrying amount of hedged assets/liabilities Cumulative Amount of Fair Value Hedging Adjustment included in Carrying Value of Hedged Item Cumulative Amount of Fair Value Hedging Adjustment Increasing (Decreasing) the Carrying Amount of Hedged Item Net principal (disbursed) repaid on loans originated for investment Payments for (Proceeds from) Loans Receivable Purchases of available-for-sale investment securities Payments to Acquire Debt Securities, Available-for-sale Community Reinvestment Act [Member] Community Reinvestment Act [Member] Community Reinvestment Act [Member] Capital Adequacy Regulatory Capital Requirements under Banking Regulations [Text Block] Impairment of assets measured at fair value on a non-recurring basis Asset Impairment Charges Derivative, notional amount Derivative, Notional Amount Other Assets [Member] Other Assets [Member] Net loan receivables Net loan receivables Financing Receivable, after Allowance for Credit Loss Long-term borrowings Long-term Debt, Fair Value Increase (decrease) in accrued expenses and other liabilities Increase (Decrease) in Other Operating Liabilities Purchases of premises and equipment Payments to Acquire Property, Plant, and Equipment Held-to-maturity investment securities, debt maturities, after one year through five years, fair value Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five Maximum [Member] Maximum [Member] Loss Contingency, Nature [Domain] Loss Contingency, Nature [Domain] Guarantor Obligations, Nature [Axis] Guarantor Obligations, Nature [Axis] Other comprehensive income (loss), reclassification adjustment from AOCI for sale of securities, tax benefit (expense) Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax Total liabilities Liabilities Legal Entity [Axis] Legal Entity [Axis] Credit Quality Information [Abstract] Credit Quality Information [Abstract] Maturities of other short-term investments Proceeds from Maturities, Prepayments and Calls of Short-term Investments Schedule of Effective Income Tax Rate Calculation Schedule of Effective Income Tax Rate Calculation [Table Text Block] Tabular disclosure of the calculation of effective income tax rate based on reported amounts of income before income tax expense and income tax expense. Schedule of Guarantor Obligations [Table] Schedule of Guarantor Obligations [Table] Total used commitment of secured credit facilities Debt Instrument Committed Borrowing Capacity, Used The amount of used borrowing capacity under the long-term financing arrangement that is available to the entity as of the balance sheet date. Cash flows (used for) provided by financing activities Net Cash Provided by (Used in) Financing Activities [Abstract] Consolidation Items [Axis] Consolidation Items [Axis] Total stockholders' equity Stockholders' equity, balance at beginning of period Stockholders' equity, balance at end of period Stockholders' Equity Attributable to Parent Short-term debt, fair value Short-term Debt, Fair Value Common Stock, Shares, Issued Common Stock, Shares, Issued Preferred Stock, Shares Issued Preferred Stock, Shares Issued FICO distribution %, originated in 2021 FICO Distribution %, Originated in Current Fiscal Year FICO score as a percentage of loan receivables originated in current fiscal year Designated as Hedges [Member] Designated as Hedging Instrument [Member] Other comprehensive (income) loss, defined benefit plan, after reclassification adjustment, before tax Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, before Tax Permanent workout program maturity (in months) Permanent Workout Program, Maturity Maximum maturity period for fixed payment loans with reduced interest rate provided for borrowers facing financial hardship Investment Holdings [Table] Investment Holdings [Table] Schedule of Restricted Private Student Loan Securitized Assets Schedule Of Restricted Student Loan Securitized Assets [Table Text Block] Schedule of restricted securitized assets of the Company's student loan variable interest entities. Intangible Assets Intangible Assets Disclosure [Text Block] Held-to-maturity investment securities, gross unrealized gains Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain Purchases of treasury stock Payments for Repurchase of Common Stock Stockholders' Equity Stockholders' Equity Attributable to Parent [Abstract] Schedule of Changes in Accumulated Other Comprehensive Income (Loss) Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block] Expected EOY2 Unemployment Rate Expected EOY2 Unemployment Rate Expected EOY2 Unemployment Rate Interest Income Interest Income [Member] Schedule of Indefinite-Lived Intangible Assets [Table] Schedule of Indefinite-Lived Intangible Assets [Table] Unrealized gains on cash flow hedges, net of tax Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax, Parent Balance Sheet Location [Axis] Balance Sheet Location [Axis] Accumulated Other Comprehensive Income Comprehensive Income (Loss) Note [Text Block] Adjustments for New Accounting Pronouncements [Axis] Accounting Standards Update [Axis] Measurement Frequency [Domain] Measurement Frequency [Domain] Total interest expense Interest expense Interest Expense FICO distribution %, originated in 2019 FICO Distribution %, Originated Two Years Before Latest Fiscal Year FICO score as a percentage of loan receivables originated two years before latest fiscal year Total interest income Interest income Interest and Dividend Income, Operating Percentage of defaulted loans that were charged off at the end of the month in which they defaulted (in percent) Percentage of defaulted loans that charged off Percentage of loan account balances charged off in month of default. Loss Contingency Nature [Axis] Loss Contingency Nature [Axis] Collateral posted, derivative liabilities Derivative, Collateral, Right to Reclaim Cash and Securities Amount of right to reclaim cash and securities collateral under master netting arrangements that have not been offset against derivative assets. Schedule of Restricted Credit Card Securitized Assets Schedule Of Restricted Credit Card Securitized Assets [Table Text Block] Schedule of restricted securitized assets of the Company's credit card variable interest entities. Entity phone number, city area code City Area Code Over six months through twelve months Contractual Maturities, Time Deposits, $100,000 or More, Six Months Through 12 Months Retained earnings Retained Earnings (Accumulated Deficit) Operating Segments [Member] Operating Segments [Member] Derivatives, Fair Value [Line Items] Derivatives, Fair Value [Line Items] Litigation Case [Domain] Litigation Case [Domain] Recoveries Financing Receivable, Allowance for Credit Loss, Recovery US Treasury Bill Securities [Member] US Treasury Bill Securities [Member] Statement of Stockholders' Equity [Abstract] Statement of Stockholders' Equity [Abstract] Schedule of $100,000 or More Certificates of Deposit Maturities Schedule of $100,000 or More Certificates of Deposit Maturities [Table Text Block] Table providing contractual maturities of time deposits of $100,000 or more. Securitization Activities [Domain] Securitization Activities [Domain] Representing all types of securitization trusts into which loan receivables are transferred and from which beneficial interests are issued to investors. Schedule of Impact of the Derivative Instruments on Income Derivative Instruments, Gain (Loss) [Table Text Block] Available for sale securities, par value Available for sale security, par value The par value of credit card asset backed securities, which are included in available-for-sale investments and classified as Level 2 within the fair value hierarchy. Equity method investments Equity Method Investments U.S. Treasury Securities [Member] US Treasury Securities [Member] Reconciliation of cash, cash equivalents and restricted cash Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents [Abstract] Income Statement [Abstract] Income Statement [Abstract] Amendment flag Amendment Flag Estimated Fair Value [Member] Estimate of Fair Value Measurement [Member] Derivative, number of outstanding derivative contracts (in transactions) Derivative, number of outstanding derivative contracts (in transactions) Derivative, Number of Instruments Held Thereafter TimeDepositMaturitiesAfterYearFour TimeDepositMaturitiesAfterYearFour Loan receivables, total non-accruing Financing Receivable, Nonaccrual Protection products revenue Protection products revenue Protection products revenue Unused commitments to extend credit for loans Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability Basis of presentation Basis of Presentation and Significant Accounting Policies [Text Block] Income tax expense Income Tax Expense (Benefit) Other loans Interest and Fee Income, Loans, Other Consumer Equity Components [Axis] Equity Components [Axis] Accumulated Other Comprehensive Income (Loss) [Table] Accumulated Other Comprehensive Income (Loss) [Table] Fair Value Disclosures [Abstract] Fair Value Disclosures [Abstract] Schedule of Commitments, Contingencies and Guarantees [Table] Schedule of Commitments, Contingencies and Guarantees [Table] Schedule of Commitments, Contingencies and Guarantees [Table] Investment Type [Axis] Investment Type [Axis] Disaggregation of Revenue [Table] Disaggregation of Revenue [Table] Gains (losses) on interest rate swaps, fair value hedges Change in Unrealized Gain (Loss) on Fair Value Hedging Instruments Denominator: Weighted Average Number of Shares Outstanding Reconciliation [Abstract] Cash flow hedges, amounts reclassified from AOCI, net of tax Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, after Tax Schedule of Segment Disclosures Schedule of Segment Reporting Information, by Segment [Table Text Block] Schedule of Stock by Class [Table] Schedule of Stock by Class [Table] Information processing and communications Communications and Information Technology Entity file number Entity File Number Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Schedule of Variable Interest Entities [Table] Schedule of Variable Interest Entities [Table] Statement of Financial Position [Abstract] Statement of Financial Position [Abstract] 2021 Time Deposit Maturities, Remainder of Fiscal Year Proceeds from issuance of other long-term borrowings Proceeds from Issuance of Unsecured Debt Other [Member] Other Loans and Investment Income [Member] Other Loans and Investment Income [Member] Three-Month London Interbank Offered Rate (LIBOR) Three-Month London Interbank Offered Rate (LIBOR) [Member] Three-Month London Interbank Offered Rate (LIBOR) [Member] Delinquent Loan Qualification Period Delinquent Loan Qualification Period Delinquent Loan Qualification Period Fair Value, by Balance Sheet Grouping [Table] Fair Value, by Balance Sheet Grouping [Table] Entity incorporation, state Entity Incorporation, State or Country Code Derivative Instruments, Gain (Loss) [Line Items] Derivative Instruments, Gain (Loss) [Line Items] Smaller reporting company Entity Small Business Equity securities without readily determinable fair value Equity Securities without Readily Determinable Fair Value, Amount Preferred stock, par or stated value per Share Preferred stock, par or stated value per share Preferred Stock, Par or Stated Value Per Share Equity Component [Domain] Equity Component [Domain] Financing Receivable, Allowance for Credit Loss [Line Items] Financing Receivable, Allowance for Credit Loss [Line Items] FICO distribution %, originated in 2020 FICO Distribution %, Originated in Fiscal Year Before Latest Fiscal Year FICO score as a percentage of loan receivables originated in fiscal year before latest fiscal year Loan receivables, credit card Financing Receivable, Revolving Amortization of deferred revenues Amortization of deferred revenues and accretion of accretable yield on acquired loans The amounts of previously reported deferred or unearned revenue that was recognized as revenue during the period and the decrease from accretion of the excess of a loan's cash flows expected to be collected over the investor's initial investment in acquired loans not accounted for as debt securities with evidence of deterioration of credit quality. As a noncash item, it is deducted from net income when calculating cash provided by or used in operations using the indirect method. Common stock issued and stock-based compensation expense (in shares) Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture Guarantor Obligations, Nature [Domain] Guarantor Obligations, Nature [Domain] Pension plan, unrealized gains (losses) arising during the period, tax benefit (expense) Other Comprehensive (Income) Loss, Defined Benefit Plan, before Reclassification Adjustment, Tax Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Variable Interest Entity [Line Items] Variable Interest Entity [Line Items] Accounts that entered a TDR program during the period, balances Financing Receivables Modifications Entering Program, Recorded Investment The amount of outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings during the period. Statement [Line Items] Statement [Line Items] Litigation Case [Axis] Litigation Case [Axis] Cash flow hedges, net unrealized gains (losses) arising during the period, net of tax Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, after Tax Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] CET1 capital to risk-weighted assets, actual ratio (in percent) Banking Regulation, Common Equity Tier One Risk-Based Capital Ratio, Actual Depositary shares represented by one preferred share Depositary Shares Represented by One Preferred Share Depositary Shares Represented by One Preferred Share Schedule of Credit Risk Profile by FICO Score and Origination Year Financing Receivable Credit Quality Indicators [Table Text Block] Common stock issued and stock-based compensation expense Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture Liabilities Liabilities [Abstract] Available-for-sale investment securities, fair value Available-for-sale investment securities, fair value Available-for-sale investment securities, fair value Debt Securities, Available-for-sale Debt Disclosure [Abstract] Debt Disclosure [Abstract] Unallocated Financing Receivables Unallocated Financing Receivables [Member] Merchant Chargeback Guarantees [Member] Merchant Chargeback Guarantees [Member] Loss contingency relating to disputed credit card transactions between a credit card customer and a merchant with whom the company has a direct relationship. Entity address, state or province Entity Address, State or Province Available for sale securities, weighted average coupon rate (in percent) Available for sale securities, weighted average coupon rate The weighted average coupon rate of available-for-sale investments that are classified as Level 2 within the fair value hierarchy Common stock issued under employee benefit plans (in shares) Stock Issued During Period, Shares, Employee Benefit Plan Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest, Total Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest Level 2 [Member] Fair Value, Inputs, Level 2 [Member] Credit Score, FICO [Axis] Credit Score, FICO [Axis] Other expense Noninterest Expense [Abstract] Type of Adoption [Domain] Accounting Standards Update [Domain] Income allocated to participating securities Participating Securities, Distributed and Undistributed Earnings (Loss), Basic Tier I capital to risk-weighted assets, minimum capital requirements, amount Banking Regulation, Tier One Risk-Based Capital, Capital Adequacy, Minimum Gains (losses) on derivatives not designated as hedges Derivative, Gain (Loss) on Derivative, Net Segment Reporting [Abstract] Segment Reporting [Abstract] Fixed-Rate Subordinated Bank Notes [Member] Subordinated Bank Notes [Member] Subordinated Bank Notes [Member] Entity [Domain] Entity [Domain] Financing Receivable, Credit Quality Indicator [Line Items] Financing Receivable, Credit Quality Indicator [Line Items] Total capital to risk-weighted assets, minimum capital requirements, ratio (in percent) Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum Tier I capital to risk-weighted assets, actual ratio (in percent) Banking Regulation, Tier One Risk-Based Capital Ratio, Actual Available-for-sale investment securities, amortized cost Available-for-sale investment securities, amortized cost Debt Securities, Available-for-sale, Amortized Cost Dividend rate reset DividendRateReset DividendRateReset Purchases of other short-term investments Payments to Acquire Short-term Investments Short-term borrowings Interest Expense, Short-term Borrowings Held-to-maturity investment securities, debt maturities, one year or less, fair value Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, Year One Use of estimates Use of Estimates, Policy [Policy Text Block] Total capital to risk-weighted assets, minimum capital requirements, amount Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum Schedule of Basic and Diluted EPS Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] Entity shell company Entity Shell Company Tier I capital to risk-weighted assets, minimum capital requirements, ratio (in percent) Banking Regulation, Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum Entity phone number, local phone number Local Phone Number Preferred stock basis spread on variable rate, rate to be used in future periods Preferred Stock Basis Spread on Variable Rate, Rate to Be Used in Future Periods Percentage points added to the reference rate in future periods to compute the variable rate on the preferred stock instrument. Other comprehensive (loss) income Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent Carrying amount of hedged assets/liabilities Derivative, Amount of Hedged Item Total net derivative assets Derivative Asset, Fair Value, Amount Offset Against Collateral Cash flow hedge gain (loss) to be reclassified within twelve months Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months Proceeds from issuance of common stock Proceeds from Issuance of Common Stock Total assets Assets Common Stock, Shares Authorized Common Stock, Shares Authorized Loan receivables Financing Receivable, after Allowance for Credit Loss [Abstract] Amount of missed payments after which a customer defaults from a TDR program (in payments) Financing Receivable Modifications Subsequent Default Number of Missed Payments The number of consecutive missed payments after which a customer defaults from a modification program for credit card and personal loans. Net Income (Loss) Available to Common Stockholders, Diluted Net Income (Loss) Available to Common Stockholders, Diluted Discount and interchange revenue, net Discount and interchange revenue Includes discount revenue and acquirer interchange net of interchange paid to third-party issuers. Discount revenue is earned from fees charged to merchants with whom the entity has entered into card acceptance agreements for processing cardholder purchase transactions and acquirer interchange revenue from merchant acquirers on all Discover Network card transactions made by cardholders at merchants with whom merchant acquirers have entered into card acceptance agreements for processing cardholder purchase transactions. Maturities and repayment of securitized debt Repayments of Secured Debt Net income allocated to common stockholders Net income allocated to common stockholders Net Income (Loss) Available to Common Stockholders, Basic Parent Company [Member] Parent Company [Member] Maximum period of payment reduction for the temporary reduced payment program (in months) Temporary Reduced Payment Program, Maximum Period of Payment Reduction The maximum period at a time of payment reduction offered to student loan customers who are in the temporary reduced payment program due to financial difficulties. Dividends declared, preferred stock (dollars per share) Preferred Stock, Dividends Per Share, Declared Guarantor Obligations [Line Items] Guarantor Obligations [Line Items] FICO distribution %, originated prior to 2017 FICO Distribution %, Originated Five or More Years Before Latest Fiscal Year FICO score as a percentage of loan receivables originated five or more years before latest fiscal year Personal Loans [Member] Personal Loans [Member] Personal Loans [Member] Interest rate Debt Instrument, Interest Rate, Stated Percentage Financing Receivable Portfolio Segment [Domain] Financing Receivable Portfolio Segment [Domain] Schedule of Loan Receivables Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] Derivative Contract [Domain] Derivative Contract [Domain] Investors' interests held by wholly-owned subsidiaries of Discover Bank Investors Interests Held By Wholly Owned Subsidiaries Beneficial interests in consolidated securitization trusts that are held by subsidiaries to provide credit enhancement. Charge-offs Financing Receivable, Allowance for Credit Loss, Writeoff Expected EOY Unemployment Rate Expected EOY Unemployment Rate Expected EOY Unemployment Rate Other comprehensive income (loss), reclassification adjustment from AOCI for sale of securities, before tax Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax Long-term borrowings Interest Expense, Long-term Debt Repurchase Agreements Repurchase Agreements [Member] Fixed-Rate Retail Notes [Member] Fixed Rate Retail Notes [Member] Fixed Rate Retail Notes [Member] Cumulative Effect, Period of Adoption [Domain] Cumulative Effect, Period of Adoption [Domain] Measurement Frequency [Axis] Measurement Frequency [Axis] Net cash provided by operating activities Net Cash Provided by (Used in) Operating Activities When-Issued Forward Contracts [Member] When-Issued Forward Contracts [Member] Contracts negotiated between two parties to purchase and sell a specific quantity of a to-be-announced mortgage backed securities at a price specified at origination of the contract, with delivery and settlement at a specified future date. Other comprehensive income (loss), reclassification adjustment from AOCI for sale of securities, net of tax Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax Accounts, Notes, Loans and Financing Receivable [Line Items] Accounts, Notes, Loans and Financing Receivable [Line Items] Litigation Status [Axis] Litigation Status [Axis] Total other income Other income Total other income (loss) by operating segment Noninterest Income Fair Value, Recurring and Nonrecurring [Table] Fair Value, Recurring and Nonrecurring [Table] Schedule of Long-term Debt Instruments [Table] Schedule of Long-term Debt Instruments [Table] Entity tax identification number Entity Tax Identification Number Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table] Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table] Weighted-average shares of common stock outstanding Weighted Average Number of Shares Outstanding, Basic Diluted earnings per common share Diluted earnings per common share (in dollars per share) Earnings Per Share, Diluted Segments [Domain] Reporting Segment [Domain] Segments [Domain] FICO distribution %, loan receivables Credit Risk Profile, Percentage Most recent FICO scores available as a percentage of class of loan receivables. Effect of dilutive common stock equivalents Weighted Average Number Diluted Shares Outstanding Adjustment Reasonable and supportable forecast period Financing Receivable, Allowance for Credit Loss, Reasonable and Supportable Forecast Period Reasonable and supportable forecast period used in estimating allowance for credit losses on financing receivables Hedging Relationship [Axis] Hedging Relationship [Axis] Weighted-average interest rate Long-term Debt, Weighted Average Interest Rate, at Point in Time Interest Expense [Member] Interest Expense [Member] Time deposits Time Deposits, Fair Value Disclosure Time Deposits, Fair Value Disclosure Subsequent Events Subsequent Events [Text Block] Comprehensive income Comprehensive Income (Loss), Net of Tax, Attributable to Parent Intangible assets, net Intangible Assets, Net (Excluding Goodwill) CET1 capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount Banking Regulation, Common Equity Tier One Risk-Based Capital, Well Capitalized, Minimum Net cash (used for) provided by financing activities Net Cash Provided by (Used in) Financing Activities Other comprehensive (loss) income, net of tax Other Comprehensive Income (Loss), Net of Tax [Abstract] Treasury stock, at cost; 274,001,084 and 261,300,765 shares at September 30, 2021 and December 31, 2020, respectively Treasury Stock, Value FICO Score, Less Than 660 Or No Score [Member] FICO Score, Less Than 660 Or No Score [Member] FICO Score, Less Than 660 Or No Score [Member] Interest and fees accrued subsequently charged-off, net of recoveries (recorded as a reduction of interest income) Interest And Fees Accrued Subsequently Charged Off Net Of Recoveries Interest and fees accrued subsequently charged off, net of recoveries (recorded as a reduction of interest income). Schedule of Other Comprehensive Income Before Reclassifications and Amounts Reclassified from AOCI Comprehensive Income (Loss) [Table Text Block] FICO distribution %, originated in 2018 FICO Distribution %, Originated Three Years Before Latest Fiscal Year FICO score as a percentage of loan receivables originated three years before latest fiscal year International Transaction Processing Rights [Member] International Transaction Processing Rights [Member] International Transaction Processing Rights [Member] Private student loans in repayment Student Loans in Repayment Represents student loans in repayment Corporate Debt Securities [Member] Corporate Debt Securities [Member] Fair Value Measurements Fair Value Disclosures [Text Block] TDRs that subsequently defaulted, aggregated outstanding balances upon default Financing Receivable, Troubled Debt Restructuring, Subsequent Default Customer rewards included in discount and interchange revenue Customer Rewards and Issuer Interchange Customer Rewards and Issuer Interchange Variable Interest Entity, Primary Beneficiary [Member] Variable Interest Entity, Primary Beneficiary [Member] Schedule of Certificates of Deposit Maturities Time Deposit Maturities [Table Text Block] Tier I capital to average assets, minimum capital requirements, amount Banking Regulation, Tier One Leverage Capital, Capital Adequacy, Minimum Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block] Held-to-maturity investment securities, debt maturities, after ten years, fair value Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 Dividends — common stock Dividends, Common Stock Schedule of Compliance with Regulatory Capital Requirements [Table] Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Accumulated Other Comprehensive (Loss) Income [Member] AOCI AOCI Attributable to Parent [Member] Other assets Other Other Assets Common stock, shares outstanding, balance at beginning of period (in shares) Common stock, shares outstanding, balance at end of period (in shares) Common Stock, Shares, Outstanding Unfavorable Regulatory Action [Member] Unfavorable Regulatory Action [Member] Subordinated Debt [Member] Subordinated Debt [Member] Schedule of Interest Bearing Deposit Accounts Schedule Of Interest Bearing Deposits [Table Text Block] Table providing a detail of interest-bearing deposits held. Schedule of Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Fair Value Unrealized Gain (Loss) on Investments [Table Text Block] Financial Instruments [Domain] Financial Instruments [Domain] Schedule of Derivatives [Table] Derivative [Table] Cash flow hedges, net change, before tax Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, before Tax Available-for-sale investment securities, debt maturities, after five years through ten years, fair value Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 Deposits source channels (in number of channels) Deposits Source Channels number of major channels through which the company offers its deposits Total net derivative liabilities Derivative Liability, Fair Value, Amount Offset Against Collateral Interest income Interest and Dividend Income, Operating [Abstract] Accounting Standards Update 2014-09 [Member] Accounting Standards Update 2014-09 [Member] Provision for credit losses Provision for Loan, Lease, and Other Losses Available-for-sale investment securities, net change, net of tax OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment and Tax Consolidated Entities [Domain] Consolidated Entities [Domain] Allowance for credit losses, period increase (decrease) Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease) Total capital to risk-weighted assets, actual amount Banking Regulation, Total Capital, Actual 2025 Time Deposit Maturities, Year Four Accounts that entered a TDR program during the period and were converted from revolving line-of-credit arrangements to term loans, balances Financing Receivables Modifications Entering Program, Converted from Revolving Line-of-Credit Arrangement to Term Loan The amount of outstanding loan receivables that have been modified by troubled debt restructurings during the current period and were converted from revolving line-of-credit arrangements to term loans Financing Receivable, Past Due [Table] Financing Receivable, Past Due [Table] Income Statement Location [Domain] Income Statement and Other Comprehensive Income Location [Domain] Income Statement Location [Domain] Available-for-sale investment securities, debt maturities, one year or less, amortized cost Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One Maturities and repayment of other long-term borrowings Repayments of Unsecured Debt Loss Contingencies [Line Items] Loss Contingencies [Line Items] Revolving line-of-credit arrangements that were converted to term loans as a result of a TDR program, ending balance Revolving Line-of-Credit Arrangement Converted to Term Loan through Loan Modification Program, Ending Balance The amount of ending loan receivables that were converted from revolving line-of-credit arrangements to term loans through a troubled debt restructuring program Accrued interest receivable Interest Receivable Premises and equipment, net Property, Plant and Equipment, Net Loan receivables, originated in 2021 Financing Receivable, Year One, Originated, Current Fiscal Year Total capital to risk-weighted assets, actual ratio (in percent) Banking Regulation, Total Risk-Based Capital Ratio, Actual Residential Mortgage-Backed Securities - Agency [Member] Residential Mortgage Backed Securities [Member] Schedule of Delinquent Loans by Origination Year Financing Receivable, Past Due Balances by Origination [Table Text Block] [Table Text Block] for Table detailing financing receivables by past due status and year of origination Preferred stock, redemption price per share Preferred Stock, Redemption Price Per Share Other Income [Member] Other Income [Member] Schedule of Long-Term Borrowings and Weighted Average Interest Rates Schedule of Long-term Debt Instruments [Table Text Block] Other comprehensive (income) loss, defined benefit plan, before reclassification adjustment and tax Other Comprehensive (Income) Loss, Defined Benefit Plan, before Reclassification Adjustment and Tax Debt Instrument [Line Items] Debt Instrument [Line Items] Investment securities (includes available-for-sale securities of $7,791 and $9,654 reported at fair value with associated amortized cost of $7,566 and $9,277 at September 30, 2021 and December 31, 2020, respectively) Investment securities Marketable Securities Earnings Per Share [Abstract] Earnings Per Share [Abstract] Intangible Assets [Abstract] Intangible Assets [Abstract] Intangible Assets [Abstract] Derivative asset Derivative Asset Unrealized (losses) gains on equity investments Equity Securities, FV-NI, Unrealized Gain (Loss) Document quarterly report Document Quarterly Report (Increase) decrease in other assets Increase (Decrease) in Other Operating Assets Proceeds from issuance of preferred stock, net Proceeds from Issuance of Preferred Stock and Preference Stock Accrued interest receivables Interest Receivable Fair Value Disclosure This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure and may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. This item represents interest earned but not received as of the balance sheet date. Tier I capital to average assets, capital requirements to be classified as well-capitalized, amount Banking Regulation, Tier One Leverage Capital, Well Capitalized, Minimum Tier I capital to average assets, actual amount Banking Regulation, Tier One Leverage Capital, Actual Proceeds from the sale of available-for-sale securities Proceeds from Sale of Debt Securities, Available-for-sale Contingent liabilities related to equity method investments Loss Contingency Accrual Deposits Deposits [Abstract] Series C Preferred Stock [Member] Series C Preferred Stock [Member] Entity common stock, shares outstanding Entity Common Stock, Shares Outstanding Certificates of deposit in amounts less than $100,000 Time Deposits, Less than $100,000 Interest-bearing deposit accounts Total interest-bearing deposits Interest-bearing Deposit Liabilities Securitization Activities [Axis] Securitization Activities [Axis] Information by type of securitization trust Cash flow hedges, net unrealized gains (losses) arising during the period, tax benefit (expense) Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, Tax Available-for-sale investment securities, continuous unrealized loss position, number of securities Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions Document fiscal period focus Document Fiscal Period Focus Effective income tax rate (in percent) Effective Income Tax Rate Reconciliation, Percent Loss contingency, estimate of possible loss Loss Contingency, Estimate of Possible Loss 2023 Time Deposit Maturities, Year Two Employee compensation and benefits Labor and Related Expense Number of loan portfolio segments (in segments) Loan Portfolio Segments Number of loan portfolio segments. Investments [Domain] Investments [Domain] Pending and Threatened Litigation [Member] Pending and Threatened Litigation [Member] Risk of loss associated with the outcome of both pending and threatened litigation Cash, cash equivalents and restricted cash, at the beginning of the period Cash, cash equivalents and restricted cash, at the end of the period Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents Commitments Contingencies and Guarantees [Abstract] Commitments Contingencies and Guarantees [Abstract] Commitments, Contingencies And Guarantees [Abstract] Maturities of held-to-maturity investment securities Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities Common Stock, Par or Stated Value Per Share Common Stock, Par or Stated Value Per Share Guarantor obligations, maximum exposure, undiscounted Guarantor Obligations, Maximum Exposure, Undiscounted Purchases of held-to-maturity investment securities Payments to Acquire Held-to-maturity Securities Statement of Comprehensive Income [Abstract] Statement of Comprehensive Income [Abstract] Preferred stock dividend payment rate variable, rate to be used in future periods Preferred Stock Dividend Payment Rate Variable, Rate To Be Used in Future Periods Preferred Stock Dividend Payment Rate Variable, Rate To Be Used in Future Periods 2022 Time Deposit Maturities, Year One Net (decrease) increase in deposits Increase (Decrease) in Deposits Entity central index key Entity Central Index Key Total capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount Banking Regulation, Total Risk-Based Capital, Well Capitalized, Minimum Accounts, Notes, Loans and Financing Receivable [Line Items] Financing Receivable, Troubled Debt Restructuring [Line Items] Financing Receivable, Troubled Debt Restructuring [Line Items] Security exchange name Security Exchange Name Available-for-sale investment securities, net unrealized holding gains (losses) arising during the period, before tax OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment and Tax Accumulated Other Comprehensive Income (Loss) [Line Items] Accumulated Other Comprehensive Income (Loss) [Line Items] Investors' interests held by third-party investors Investors Interests Held By Third Party Investors Beneficial interests in consolidated securitization trusts that are held by third parties. Cash and cash equivalents Cash and Cash Equivalents, Fair Value Disclosure Total other expense Other expense Noninterest Expense Underlying Asset Class [Domain] Underlying Asset Class [Domain] Weighted-average shares of common stock outstanding and common stock equivalents Weighted Average Number of Shares Outstanding, Diluted Other comprehensive loss Net change in accumulated other comprehensive income (loss), net of tax Other Comprehensive Income (Loss), Net of Tax Fair Value, Recurring [Member] Fair Value, Recurring [Member] Income Taxes Income Tax Disclosure [Text Block] Compliance with Regulatory Capital Requirements [Line Items] Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] Long-term Debt, Type [Axis] Long-term Debt, Type [Axis] Current fiscal year end date Current Fiscal Year End Date Basis spread on variable rate Debt Instrument, Basis Spread on Variable Rate Total gains (losses) on fair value hedges Gain (Loss) on Fair Value Hedges Recognized in Earnings Other short-term investments, fair value Other Short-term Investments Fair Value Disclosure Other short-term investments fair value disclosure Measurement Basis [Axis] Measurement Basis [Axis] Gains (Losses) on Cash Flow Hedges, Net of Tax [Member] Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member] Accrued expenses and other liabilities Accrued Liabilities Statement of Cash Flows [Abstract] Statement of Cash Flows [Abstract] Commitments to Extend Credit [Member] Commitments to Extend Credit [Member] Other short-term investments Other Short-term Investments Net loan receivables Loans Receivable, Fair Value Disclosure Class of Stock [Line Items] Class of Stock [Line Items] Premises and equipment Occupancy, Net Not Designated as Hedges [Member] Not Designated as Hedging Instrument [Member] Indefinite-lived Intangible Assets [Line Items] Indefinite-lived Intangible Assets [Line Items] Discover Card Execution Note Trust [Member] Discover Card Execution Note Trust [Member] Discover Card Execution Note Trust [Member] Net cash provided by (used for) investing activities Net Cash Provided by (Used in) Investing Activities Portion at Fair Value Measurement [Member] Portion at Fair Value Measurement [Member] Changes in assets and liabilities: Increase (Decrease) in Operating Capital [Abstract] Tier I capital to average assets, capital requirements to be classified as well-capitalized, ratio (in percent) Banking Regulation, Tier One Leverage Capital Ratio, Well Capitalized, Minimum Commitments, Contingencies and Guarantees [Line Items] Commitments, Contingencies and Guarantees [Line Items] [Line Items] for Schedule of Commitments, Contingencies and Guarantees [Table] Unrealized (losses) gains on available-for-sale investment securities, net of tax Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax, Portion Attributable to Parent Loss contingency, range of possible loss, portion not accrued Loss Contingency, Range of Possible Loss, Portion Not Accrued Held-to-maturity investment securities, amortized cost Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss Cash flows provided by operating activities Net Cash Provided by (Used in) Operating Activities [Abstract] Over three months through six months Contractual Maturities, Time Deposits, $100,000 or More, Three Months Through Six Months Gains (losses) on hedged items, fair value hedges Change in Unrealized Gain (Loss) on Hedged Item in Fair Value Hedge Held-to-maturity investment securities, debt maturities, after five years through ten years, amortized cost Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year Five through Ten Class of Stock [Domain] Class of Stock [Domain] Litigation Status [Domain] Litigation Status [Domain] Cash flow hedges, amounts reclassified from AOCI, tax benefit (expense) Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax Expected EOY2 Annualized Increase in GDP Expected EOY2 Annualized Increase in GDP Expected EOY2 Annualized Increase in GDP Foreign Exchange Forward [Member] Foreign Exchange Forward [Member] Total commitment of secured credit facilities Line of Credit Facility, Maximum Borrowing Capacity Schedule of Minimum and Well-Capitalized Requirements Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block] Loss Contingencies [Table] Loss Contingencies [Table] Segment Reporting Information [Line Items] Segment Reporting Information [Line Items] Entity address, postal zip code Entity Address, Postal Zip Code Three months or less Contractual Maturities, Time Deposits, $100,000 or More, Three Months or Less Variable Interest Entities Disclosure [Abstract] Variable Interest Entities Disclosure [Abstract] Variable Interest Entities Disclosure [Abstract] Loan receivables Financing Receivable, before Allowance for Credit Loss Derivative Instruments, Gain (Loss) by Hedging Relationship, by Income Statement Location, by Derivative Instrument Risk [Table] Derivative Instruments, Gain (Loss) [Table] Preferred stock, depositary shares issued (in number of depositary shares) PreferredStockDepositarySharesIssued Total number of nonredeemable preferred depositary shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt. Debt Instrument, Name [Domain] Debt Instrument, Name [Domain] Credit card loans Interest and Fee Income, Loans, Consumer Installment, Credit Card Title of 12(b) security Title of 12(b) Security Total Past Due [Member] Financing Receivables, Equal to or Greater than 30 Days Past Due [Member] Financing receivables that are equal to or greater than 30 days past due. Schedule of Investment Securities Marketable Securities [Table Text Block] Held-to-maturity investment securities, debt maturities, after ten years, amortized cost Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year 10 Statement [Table] Statement [Table] Estimated gross interest income that would have been recorded based on original terms Estimated Gross Interest Income Based on Original Terms Gross interest income that would have been recorded based on original terms of delinquent loans. Accounts that entered a TDR program during the period, number of accounts (in accounts) Financing Receivables Modifications Entering Program, Number of Contracts The number of financing receivables that have been modified by troubled debt restructurings during the period. Proceeds from issuance of preferred stock, net Preferred Stock, Including Additional Paid in Capital, Net of Discount Preferred Stock Preferred Stock [Text Block] Statistical Measurement [Axis] Statistical Measurement [Axis] Payment Services [Member] Payment Services [Member] Payment Services [Member] Derivative liabilities Derivative Liability, Fair Value, Gross Liability Discover Card Master Trust I and Discover Card Execution Note Trust [Member] Discover Card Master Trust I and Discover Card Execution Note Trust [Member] All credit card securitization trusts. Cover [Abstract] Cover [Abstract] Allowance for credit losses Allowance for credit losses Allowance for credit losses, balance at beginning of period Allowance for credit losses, balance at end of period Allowance for credit losses allocated to securitized loan receivables Financing Receivable, Allowance for Credit Loss Preferred Stock [Member] Preferred Stock [Member] Goodwill Goodwill Cash flow hedges, amounts reclassified from AOCI, before tax Amounts reclassified from OCI into earnings, cash flow hedges Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax Available-for-sale investment securities, debt maturities, after ten years, amortized cost Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 Tier I capital to risk-weighted assets, actual amount Banking Regulation, Tier One Risk-Based Capital, Actual FICO distribution %, originated in 2017 FICO Distribution %, Originated Four Years Before Latest Fiscal Year FICO score as a percentage of loan receivables originated four years before latest fiscal year Schedule of Hedged Items in Fair Value Hedging Relationship [Line Items] Schedule of Hedged Items in Fair Value Hedging Relationship [Line Items] [Line Items] for Hedged Items in Fair Value Hedging Relationship [Table] Loan receivables, originated in 2017 Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year Private student loans in forbearance Student loans in forbearance Represents student loans accounts whose payments have been temporarily suspended due to temporary financial difficulties. Total Other Loans [Member] Total Other Loans [Member] Loan portfolio including classes of loans such as personal loans, private student loans and other loans. Certificates of deposit in amounts $100,000 or greater Total Time Deposits, $100,000 or More Credit Score, FICO [Domain] Credit Score, FICO [Domain] Floating-Rate Asset-Backed Securities [Member] Floating Rate Asset Backed Securities [Member] Floating Rate Asset Backed Securities [Member] Schedule of Fair Value and Outstanding Notional Amounts of Derivative Instruments and Related Collateral Balances Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block] Available-for-sale investment securities, debt maturities, one year or less, fair value Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One Loans pledged as collateral Loans Pledged as Collateral Gains (Losses) on Pension Plan, Net of Tax [Member] Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member] Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss Private Student Loans [Member] Private Student Loans [Member] Student Loan [Member] Deferred income taxes Deferred Income Tax Expense (Benefit) Reversion period Financing Receivable, Allowance for Credit Loss, Reversion Period Reversion period used in estimating allowance for credit losses on financing receivables Restricted cash Restricted Cash Fair Value Disclosure Restricted Cash Fair Value Disclosure Investment Holdings [Line Items] Investment Holdings [Line Items] EX-101.PRE 10 dfs-20210930_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT XML 11 dfs-20210930_htm.xml IDEA: XBRL DOCUMENT 0001393612 2021-01-01 2021-09-30 0001393612 2021-10-22 0001393612 2021-09-30 0001393612 2020-12-31 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember 2021-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember 2020-12-31 0001393612 2021-07-01 2021-09-30 0001393612 2020-07-01 2020-09-30 0001393612 us-gaap:InterestIncomeMember us-gaap:CreditCardReceivablesMember 2020-07-01 2020-09-30 0001393612 2020-01-01 2020-09-30 0001393612 us-gaap:PreferredStockMember 2020-06-30 0001393612 us-gaap:CommonStockMember 2020-06-30 0001393612 us-gaap:AdditionalPaidInCapitalMember 2020-06-30 0001393612 us-gaap:RetainedEarningsMember 2020-06-30 0001393612 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2020-06-30 0001393612 us-gaap:TreasuryStockMember 2020-06-30 0001393612 2020-06-30 0001393612 us-gaap:RetainedEarningsMember 2020-07-01 2020-09-30 0001393612 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2020-07-01 2020-09-30 0001393612 us-gaap:CommonStockMember 2020-07-01 2020-09-30 0001393612 us-gaap:AdditionalPaidInCapitalMember 2020-07-01 2020-09-30 0001393612 us-gaap:SeriesCPreferredStockMember 2020-07-01 2020-09-30 0001393612 us-gaap:SeriesCPreferredStockMember us-gaap:RetainedEarningsMember 2020-07-01 2020-09-30 0001393612 us-gaap:PreferredStockMember 2020-09-30 0001393612 us-gaap:CommonStockMember 2020-09-30 0001393612 us-gaap:AdditionalPaidInCapitalMember 2020-09-30 0001393612 us-gaap:RetainedEarningsMember 2020-09-30 0001393612 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2020-09-30 0001393612 us-gaap:TreasuryStockMember 2020-09-30 0001393612 2020-09-30 0001393612 us-gaap:PreferredStockMember 2021-06-30 0001393612 us-gaap:CommonStockMember 2021-06-30 0001393612 us-gaap:AdditionalPaidInCapitalMember 2021-06-30 0001393612 us-gaap:RetainedEarningsMember 2021-06-30 0001393612 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2021-06-30 0001393612 us-gaap:TreasuryStockMember 2021-06-30 0001393612 2021-06-30 0001393612 us-gaap:RetainedEarningsMember 2021-07-01 2021-09-30 0001393612 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2021-07-01 2021-09-30 0001393612 us-gaap:TreasuryStockMember 2021-07-01 2021-09-30 0001393612 us-gaap:CommonStockMember 2021-07-01 2021-09-30 0001393612 us-gaap:AdditionalPaidInCapitalMember 2021-07-01 2021-09-30 0001393612 us-gaap:SeriesCPreferredStockMember 2021-07-01 2021-09-30 0001393612 us-gaap:SeriesCPreferredStockMember us-gaap:RetainedEarningsMember 2021-07-01 2021-09-30 0001393612 us-gaap:SeriesDPreferredStockMember 2021-07-01 2021-09-30 0001393612 us-gaap:SeriesDPreferredStockMember us-gaap:RetainedEarningsMember 2021-07-01 2021-09-30 0001393612 us-gaap:PreferredStockMember 2021-09-30 0001393612 us-gaap:CommonStockMember 2021-09-30 0001393612 us-gaap:AdditionalPaidInCapitalMember 2021-09-30 0001393612 us-gaap:RetainedEarningsMember 2021-09-30 0001393612 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2021-09-30 0001393612 us-gaap:TreasuryStockMember 2021-09-30 0001393612 us-gaap:PreferredStockMember 2019-12-31 0001393612 us-gaap:CommonStockMember 2019-12-31 0001393612 us-gaap:AdditionalPaidInCapitalMember 2019-12-31 0001393612 us-gaap:RetainedEarningsMember 2019-12-31 0001393612 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2019-12-31 0001393612 us-gaap:TreasuryStockMember 2019-12-31 0001393612 2019-12-31 0001393612 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember us-gaap:AccountingStandardsUpdate201613Member us-gaap:RetainedEarningsMember 2019-12-31 0001393612 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember us-gaap:AccountingStandardsUpdate201613Member 2019-12-31 0001393612 us-gaap:RetainedEarningsMember 2020-01-01 2020-09-30 0001393612 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2020-01-01 2020-09-30 0001393612 us-gaap:TreasuryStockMember 2020-01-01 2020-09-30 0001393612 us-gaap:CommonStockMember 2020-01-01 2020-09-30 0001393612 us-gaap:AdditionalPaidInCapitalMember 2020-01-01 2020-09-30 0001393612 us-gaap:PreferredStockMember 2020-01-01 2020-09-30 0001393612 us-gaap:SeriesCPreferredStockMember 2020-01-01 2020-09-30 0001393612 us-gaap:SeriesCPreferredStockMember us-gaap:RetainedEarningsMember 2020-01-01 2020-09-30 0001393612 us-gaap:PreferredStockMember 2020-12-31 0001393612 us-gaap:CommonStockMember 2020-12-31 0001393612 us-gaap:AdditionalPaidInCapitalMember 2020-12-31 0001393612 us-gaap:RetainedEarningsMember 2020-12-31 0001393612 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2020-12-31 0001393612 us-gaap:TreasuryStockMember 2020-12-31 0001393612 us-gaap:RetainedEarningsMember 2021-01-01 2021-09-30 0001393612 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2021-01-01 2021-09-30 0001393612 us-gaap:TreasuryStockMember 2021-01-01 2021-09-30 0001393612 us-gaap:CommonStockMember 2021-01-01 2021-09-30 0001393612 us-gaap:AdditionalPaidInCapitalMember 2021-01-01 2021-09-30 0001393612 us-gaap:SeriesCPreferredStockMember 2021-01-01 2021-09-30 0001393612 us-gaap:SeriesCPreferredStockMember us-gaap:RetainedEarningsMember 2021-01-01 2021-09-30 0001393612 us-gaap:SeriesDPreferredStockMember 2021-01-01 2021-09-30 0001393612 us-gaap:SeriesDPreferredStockMember us-gaap:RetainedEarningsMember 2021-01-01 2021-09-30 0001393612 us-gaap:USTreasuryBillSecuritiesMember us-gaap:AssetNotPledgedAsCollateralMember 2021-09-30 0001393612 us-gaap:USTreasuryBillSecuritiesMember us-gaap:AssetNotPledgedAsCollateralMember 2020-12-31 0001393612 us-gaap:USTreasuryAndGovernmentMember 2021-09-30 0001393612 us-gaap:USTreasuryAndGovernmentMember 2020-12-31 0001393612 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:AssetNotPledgedAsCollateralMember 2021-09-30 0001393612 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:AssetNotPledgedAsCollateralMember 2020-12-31 0001393612 us-gaap:USTreasurySecuritiesMember 2021-09-30 0001393612 us-gaap:USTreasurySecuritiesMember 2020-12-31 0001393612 us-gaap:ResidentialMortgageBackedSecuritiesMember 2021-09-30 0001393612 us-gaap:ResidentialMortgageBackedSecuritiesMember 2020-12-31 0001393612 us-gaap:OtherAssetsMember dfs:CommunityReinvestmentActMember 2021-09-30 0001393612 us-gaap:OtherAssetsMember dfs:CommunityReinvestmentActMember 2020-12-31 0001393612 us-gaap:OtherLiabilitiesMember dfs:CommunityReinvestmentActMember 2021-09-30 0001393612 us-gaap:OtherLiabilitiesMember dfs:CommunityReinvestmentActMember 2020-12-31 0001393612 dfs:CommunityReinvestmentActMember 2020-12-31 0001393612 dfs:CommunityReinvestmentActMember 2021-09-30 0001393612 dfs:PaymentServicesMember 2021-09-30 0001393612 dfs:PaymentServicesMember 2020-12-31 0001393612 us-gaap:OtherAssetsMember dfs:PaymentServicesMember 2021-09-30 0001393612 us-gaap:OtherAssetsMember dfs:PaymentServicesMember 2020-12-31 0001393612 us-gaap:CreditCardReceivablesMember 2021-09-30 0001393612 us-gaap:CreditCardReceivablesMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember 2020-12-31 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:CreditCardReceivablesMember dfs:CreditCardSecuritizationTrustsMember 2021-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:CreditCardReceivablesMember dfs:CreditCardSecuritizationTrustsMember 2020-12-31 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:StudentLoanSecuritizationTrustsMember 2021-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:StudentLoanSecuritizationTrustsMember 2020-12-31 0001393612 dfs:FICOScore660andAboveMember us-gaap:CreditCardReceivablesMember 2021-09-30 0001393612 dfs:FICOScoreLessThan660OrNoScoreMember us-gaap:CreditCardReceivablesMember 2021-09-30 0001393612 dfs:FICOScore660andAboveMember us-gaap:CreditCardReceivablesMember 2020-12-31 0001393612 dfs:FICOScoreLessThan660OrNoScoreMember us-gaap:CreditCardReceivablesMember 2020-12-31 0001393612 dfs:FICOScore660andAboveMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2021-09-30 0001393612 dfs:FICOScoreLessThan660OrNoScoreMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2021-09-30 0001393612 dfs:FICOScore660andAboveMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2020-12-31 0001393612 dfs:FICOScoreLessThan660OrNoScoreMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2020-12-31 0001393612 dfs:FICOScore660andAboveMember dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2021-09-30 0001393612 dfs:FICOScoreLessThan660OrNoScoreMember dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2021-09-30 0001393612 dfs:FICOScore660andAboveMember dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2020-12-31 0001393612 dfs:FICOScoreLessThan660OrNoScoreMember dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2020-12-31 0001393612 srt:MinimumMember 2021-01-01 2021-09-30 0001393612 us-gaap:CreditCardReceivablesMember dfs:FinancingReceivables30to89DaysPastDueMember 2021-09-30 0001393612 us-gaap:CreditCardReceivablesMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2021-09-30 0001393612 us-gaap:CreditCardReceivablesMember dfs:FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMember 2021-09-30 0001393612 us-gaap:CreditCardReceivablesMember dfs:FinancingReceivables30to89DaysPastDueMember 2020-12-31 0001393612 us-gaap:CreditCardReceivablesMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2020-12-31 0001393612 us-gaap:CreditCardReceivablesMember dfs:FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:FinancingReceivables30to89DaysPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:FinancingReceivables30to89DaysPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember dfs:FinancingReceivables30to89DaysPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember dfs:FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember dfs:FinancingReceivables30to89DaysPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember dfs:FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMember 2020-12-31 0001393612 us-gaap:CreditCardReceivablesMember 2021-06-30 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2021-06-30 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2021-06-30 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember 2021-06-30 0001393612 us-gaap:CreditCardReceivablesMember 2021-07-01 2021-09-30 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2021-07-01 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2021-07-01 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember 2021-07-01 2021-09-30 0001393612 us-gaap:CreditCardReceivablesMember 2020-06-30 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2020-06-30 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2020-06-30 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember 2020-06-30 0001393612 us-gaap:CreditCardReceivablesMember 2020-07-01 2020-09-30 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2020-07-01 2020-09-30 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2020-07-01 2020-09-30 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember 2020-07-01 2020-09-30 0001393612 us-gaap:CreditCardReceivablesMember 2020-09-30 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2020-09-30 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2020-09-30 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember 2020-09-30 0001393612 us-gaap:CreditCardReceivablesMember 2021-01-01 2021-09-30 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2021-01-01 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2021-01-01 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember 2021-01-01 2021-09-30 0001393612 us-gaap:CreditCardReceivablesMember 2019-12-31 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2019-12-31 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2019-12-31 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember 2019-12-31 0001393612 us-gaap:CreditCardReceivablesMember 2020-01-01 2020-01-01 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2020-01-01 2020-01-01 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2020-01-01 2020-01-01 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember 2020-01-01 2020-01-01 0001393612 2020-01-01 2020-01-01 0001393612 us-gaap:CreditCardReceivablesMember 2020-01-01 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2020-01-01 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2020-01-01 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember 2020-01-01 0001393612 2020-01-01 0001393612 us-gaap:CreditCardReceivablesMember 2020-01-01 2020-09-30 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember 2020-01-01 2020-09-30 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember 2020-01-01 2020-09-30 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember 2020-01-01 2020-09-30 0001393612 2020-10-01 2020-12-31 0001393612 2020-04-01 2020-06-30 0001393612 2021-01-01 2021-03-31 0001393612 2021-04-01 2021-06-30 0001393612 2020-01-01 2020-03-31 0001393612 us-gaap:CreditCardReceivablesMember us-gaap:FinancialAssetPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember us-gaap:FinancialAssetPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember us-gaap:FinancialAssetPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember dfs:FinancingReceivables30to89DaysPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember us-gaap:FinancialAssetPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember dfs:FinancingReceivables30to89DaysPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2021-09-30 0001393612 dfs:TotalOtherLoansMember us-gaap:FinancialAssetPastDueMember 2021-09-30 0001393612 dfs:FinancingReceivables30to89DaysPastDueMember 2021-09-30 0001393612 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2021-09-30 0001393612 us-gaap:FinancialAssetPastDueMember 2021-09-30 0001393612 us-gaap:CreditCardReceivablesMember us-gaap:FinancialAssetPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember us-gaap:StudentLoanMember us-gaap:FinancialAssetPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember dfs:PersonalLoansMember us-gaap:FinancialAssetPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember dfs:FinancingReceivables30to89DaysPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember dfs:OtherLoansMember us-gaap:FinancialAssetPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember dfs:FinancingReceivables30to89DaysPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2020-12-31 0001393612 dfs:TotalOtherLoansMember us-gaap:FinancialAssetPastDueMember 2020-12-31 0001393612 dfs:FinancingReceivables30to89DaysPastDueMember 2020-12-31 0001393612 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2020-12-31 0001393612 us-gaap:FinancialAssetPastDueMember 2020-12-31 0001393612 us-gaap:CreditCardReceivablesMember us-gaap:CreditCardReceivablesMember 2021-01-01 2021-09-30 0001393612 srt:MaximumMember us-gaap:CreditCardReceivablesMember us-gaap:CreditCardReceivablesMember 2021-01-01 2021-09-30 0001393612 us-gaap:StudentLoanMember 2021-09-30 0001393612 us-gaap:StudentLoanMember 2020-12-31 0001393612 dfs:PersonalLoansMember 2021-01-01 2021-09-30 0001393612 us-gaap:CreditCardReceivablesMember us-gaap:CreditCardReceivablesMember 2021-07-01 2021-09-30 0001393612 us-gaap:CreditCardReceivablesMember us-gaap:CreditCardReceivablesMember 2020-07-01 2020-09-30 0001393612 us-gaap:CreditCardReceivablesMember us-gaap:CreditCardReceivablesMember 2020-01-01 2020-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember dfs:CreditCardSecuritizationTrustsMember dfs:DiscoverCardExecutionNoteTrustMember 2021-01-01 2021-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember dfs:CreditCardSecuritizationTrustsMember 2021-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember dfs:CreditCardSecuritizationTrustsMember 2020-12-31 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember dfs:StudentLoanSecuritizationTrustsMember 2021-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember dfs:StudentLoanSecuritizationTrustsMember 2020-12-31 0001393612 us-gaap:TradeNamesMember 2020-01-01 2020-06-30 0001393612 us-gaap:TradeNamesMember 2020-04-01 2020-06-30 0001393612 dfs:InternationalTransactionProcessingRightsMember 2020-01-01 2020-06-30 0001393612 dfs:InternationalTransactionProcessingRightsMember 2020-04-01 2020-06-30 0001393612 us-gaap:TradeNamesMember 2021-04-01 2021-06-30 0001393612 us-gaap:TradeNamesMember 2021-01-01 2021-06-30 0001393612 dfs:InternationalTransactionProcessingRightsMember 2021-09-30 0001393612 us-gaap:TradeNamesMember 2021-09-30 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember srt:MinimumMember dfs:FixedRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember 2021-09-30 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember srt:MaximumMember dfs:FixedRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember 2021-09-30 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember dfs:FixedRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember 2021-09-30 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember dfs:FixedRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember 2020-12-31 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember srt:MinimumMember dfs:FloatingRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember 2021-09-30 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember srt:MaximumMember dfs:FloatingRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember 2021-09-30 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember dfs:FloatingRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember 2021-09-30 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember dfs:FloatingRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember 2020-12-31 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember us-gaap:SecuredDebtMember 2021-09-30 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember us-gaap:SecuredDebtMember 2020-12-31 0001393612 dfs:SlcPrivateStudentLoanTrustMember srt:MaximumMember dfs:FloatingRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember 2021-09-30 0001393612 dfs:SlcPrivateStudentLoanTrustMember srt:MinimumMember dfs:FloatingRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember 2021-09-30 0001393612 dfs:SlcPrivateStudentLoanTrustMember dfs:FloatingRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember 2021-09-30 0001393612 dfs:SlcPrivateStudentLoanTrustMember dfs:FloatingRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember 2020-12-31 0001393612 dfs:SlcPrivateStudentLoanTrustMember us-gaap:SecuredDebtMember 2021-09-30 0001393612 dfs:SlcPrivateStudentLoanTrustMember us-gaap:SecuredDebtMember 2020-12-31 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:SecuredDebtMember 2021-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:SecuredDebtMember 2020-12-31 0001393612 srt:ParentCompanyMember srt:MinimumMember dfs:FixedRateSeniorNotesMember us-gaap:CorporateDebtSecuritiesMember 2021-09-30 0001393612 srt:ParentCompanyMember srt:MaximumMember dfs:FixedRateSeniorNotesMember us-gaap:CorporateDebtSecuritiesMember 2021-09-30 0001393612 srt:ParentCompanyMember dfs:FixedRateSeniorNotesMember us-gaap:CorporateDebtSecuritiesMember 2021-09-30 0001393612 srt:ParentCompanyMember dfs:FixedRateSeniorNotesMember us-gaap:CorporateDebtSecuritiesMember 2020-12-31 0001393612 srt:ParentCompanyMember srt:MinimumMember dfs:FixedRateRetailNotesMember us-gaap:CorporateDebtSecuritiesMember 2021-09-30 0001393612 srt:ParentCompanyMember srt:MaximumMember dfs:FixedRateRetailNotesMember us-gaap:CorporateDebtSecuritiesMember 2021-09-30 0001393612 srt:ParentCompanyMember dfs:FixedRateRetailNotesMember us-gaap:CorporateDebtSecuritiesMember 2021-09-30 0001393612 srt:ParentCompanyMember dfs:FixedRateRetailNotesMember us-gaap:CorporateDebtSecuritiesMember 2020-12-31 0001393612 dfs:DiscoverBankMember srt:MinimumMember dfs:SeniorBankNotesMember us-gaap:SeniorNotesMember 2021-09-30 0001393612 dfs:DiscoverBankMember srt:MaximumMember dfs:SeniorBankNotesMember us-gaap:SeniorNotesMember 2021-09-30 0001393612 dfs:DiscoverBankMember dfs:SeniorBankNotesMember us-gaap:SeniorNotesMember 2021-09-30 0001393612 dfs:DiscoverBankMember dfs:SeniorBankNotesMember us-gaap:SeniorNotesMember 2020-12-31 0001393612 dfs:DiscoverBankMember srt:MaximumMember dfs:SubordinatedBankNotesMember us-gaap:SubordinatedDebtMember 2021-09-30 0001393612 dfs:DiscoverBankMember srt:MinimumMember dfs:SubordinatedBankNotesMember us-gaap:SubordinatedDebtMember 2021-09-30 0001393612 dfs:DiscoverBankMember dfs:SubordinatedBankNotesMember us-gaap:SubordinatedDebtMember 2021-09-30 0001393612 dfs:DiscoverBankMember dfs:SubordinatedBankNotesMember us-gaap:SubordinatedDebtMember 2020-12-31 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember dfs:FloatingRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember dfs:OneMonthLondonInterbankOfferedRateLIBORMember 2021-01-01 2021-09-30 0001393612 dfs:SlcPrivateStudentLoanTrustMember dfs:FloatingRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember us-gaap:PrimeRateMember 2021-01-01 2021-09-30 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember srt:MinimumMember dfs:FloatingRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember dfs:OneMonthLondonInterbankOfferedRateLIBORMember 2021-01-01 2021-09-30 0001393612 dfs:DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember srt:MaximumMember dfs:FloatingRateAssetBackedSecuritiesMember us-gaap:SecuredDebtMember dfs:OneMonthLondonInterbankOfferedRateLIBORMember 2021-01-01 2021-09-30 0001393612 us-gaap:SeriesCPreferredStockMember 2017-10-31 2017-10-31 0001393612 us-gaap:SeriesCPreferredStockMember us-gaap:PreferredStockMember 2021-09-30 0001393612 us-gaap:SeriesCPreferredStockMember us-gaap:PreferredStockMember 2021-01-01 2021-09-30 0001393612 us-gaap:SeriesCPreferredStockMember us-gaap:PreferredStockMember 2020-12-31 0001393612 us-gaap:SeriesDPreferredStockMember 2020-07-22 2020-07-22 0001393612 us-gaap:SeriesDPreferredStockMember us-gaap:PreferredStockMember 2021-09-30 0001393612 us-gaap:SeriesDPreferredStockMember us-gaap:PreferredStockMember 2021-01-01 2021-09-30 0001393612 us-gaap:SeriesDPreferredStockMember us-gaap:PreferredStockMember 2020-12-31 0001393612 us-gaap:SeriesCPreferredStockMember us-gaap:PreferredStockMember dfs:ThreeMonthLondonInterbankOfferedRateLIBORMember 2021-01-01 2021-09-30 0001393612 us-gaap:SeriesDPreferredStockMember us-gaap:PreferredStockMember dfs:FiveYearTreasuryRateMember 2021-01-01 2021-09-30 0001393612 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2021-06-30 0001393612 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2021-06-30 0001393612 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2021-06-30 0001393612 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2021-07-01 2021-09-30 0001393612 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2021-07-01 2021-09-30 0001393612 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2021-07-01 2021-09-30 0001393612 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2021-09-30 0001393612 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2021-09-30 0001393612 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2021-09-30 0001393612 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2020-06-30 0001393612 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2020-06-30 0001393612 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2020-06-30 0001393612 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2020-07-01 2020-09-30 0001393612 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2020-07-01 2020-09-30 0001393612 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2020-07-01 2020-09-30 0001393612 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2020-09-30 0001393612 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2020-09-30 0001393612 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2020-09-30 0001393612 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2020-12-31 0001393612 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2020-12-31 0001393612 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2020-12-31 0001393612 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2021-01-01 2021-09-30 0001393612 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2021-01-01 2021-09-30 0001393612 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2021-01-01 2021-09-30 0001393612 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2019-12-31 0001393612 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2019-12-31 0001393612 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2019-12-31 0001393612 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2020-01-01 2020-09-30 0001393612 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2020-01-01 2020-09-30 0001393612 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2020-01-01 2020-09-30 0001393612 srt:ParentCompanyMember 2021-09-30 0001393612 dfs:DiscoverBankMember 2021-09-30 0001393612 srt:ParentCompanyMember 2020-12-31 0001393612 dfs:DiscoverBankMember 2020-12-31 0001393612 us-gaap:CommitmentsToExtendCreditMember 2021-09-30 0001393612 dfs:MerchantChargebackGuaranteesMember 2021-07-01 2021-09-30 0001393612 dfs:MerchantChargebackGuaranteesMember 2020-07-01 2020-09-30 0001393612 dfs:MerchantChargebackGuaranteesMember 2021-01-01 2021-09-30 0001393612 dfs:MerchantChargebackGuaranteesMember 2020-01-01 2020-09-30 0001393612 srt:MaximumMember dfs:PendingAndThreatenedLitigationMember 2021-09-30 0001393612 dfs:ConsumerFinancialProtectionBureauConsentOrderMember srt:MinimumMember us-gaap:UnfavorableRegulatoryActionMember 2020-12-22 0001393612 dfs:ConsumerFinancialProtectionBureauConsentOrderMember us-gaap:UnfavorableRegulatoryActionMember 2020-12-22 2020-12-22 0001393612 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasuryAndGovernmentMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasuryAndGovernmentMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasuryAndGovernmentMember 2021-09-30 0001393612 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasuryAndGovernmentMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2021-09-30 0001393612 us-gaap:FairValueMeasurementsRecurringMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2021-09-30 0001393612 us-gaap:FairValueMeasurementsRecurringMember 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember us-gaap:FairValueMeasurementsRecurringMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasurySecuritiesMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasurySecuritiesMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasurySecuritiesMember 2020-12-31 0001393612 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasurySecuritiesMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2020-12-31 0001393612 us-gaap:FairValueMeasurementsRecurringMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2020-12-31 0001393612 us-gaap:FairValueMeasurementsRecurringMember 2020-12-31 0001393612 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2020-12-31 0001393612 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2020-12-31 0001393612 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2020-12-31 0001393612 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember us-gaap:FairValueMeasurementsRecurringMember 2020-12-31 0001393612 us-gaap:ResidentialMortgageBackedSecuritiesMember 2021-01-01 2021-09-30 0001393612 us-gaap:FairValueMeasurementsNonrecurringMember 2021-01-01 2021-09-30 0001393612 us-gaap:FairValueMeasurementsNonrecurringMember 2021-07-01 2021-09-30 0001393612 us-gaap:FairValueInputsLevel1Member us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel2Member us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel3Member us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2021-09-30 0001393612 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2021-09-30 0001393612 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel1Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel2Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel3Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-09-30 0001393612 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-09-30 0001393612 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2021-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:FairValueInputsLevel1Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:FairValueInputsLevel2Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:FairValueInputsLevel3Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-09-30 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:CarryingReportedAmountFairValueDisclosureMember 2021-09-30 0001393612 srt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember us-gaap:FairValueInputsLevel1Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-09-30 0001393612 srt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember us-gaap:FairValueInputsLevel2Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-09-30 0001393612 srt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember us-gaap:FairValueInputsLevel3Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-09-30 0001393612 srt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-09-30 0001393612 srt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember us-gaap:CarryingReportedAmountFairValueDisclosureMember 2021-09-30 0001393612 us-gaap:FairValueInputsLevel1Member us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel2Member us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel3Member us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2020-12-31 0001393612 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2020-12-31 0001393612 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel1Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel2Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31 0001393612 us-gaap:FairValueInputsLevel3Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31 0001393612 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31 0001393612 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2020-12-31 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:FairValueInputsLevel1Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:FairValueInputsLevel2Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:FairValueInputsLevel3Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31 0001393612 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember us-gaap:CarryingReportedAmountFairValueDisclosureMember 2020-12-31 0001393612 srt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember us-gaap:FairValueInputsLevel1Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31 0001393612 srt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember us-gaap:FairValueInputsLevel2Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31 0001393612 srt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember us-gaap:FairValueInputsLevel3Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31 0001393612 srt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31 0001393612 srt:ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember us-gaap:CarryingReportedAmountFairValueDisclosureMember 2020-12-31 0001393612 us-gaap:FinanceReceivablesMember 2021-07-01 2021-09-30 0001393612 us-gaap:FinanceReceivablesMember 2021-01-01 2021-09-30 0001393612 us-gaap:InterestExpenseMember 2021-01-01 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2020-12-31 0001393612 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2020-12-31 0001393612 us-gaap:ForeignExchangeForwardMember us-gaap:NondesignatedMember 2021-09-30 0001393612 us-gaap:ForeignExchangeForwardMember us-gaap:NondesignatedMember 2020-12-31 0001393612 us-gaap:InterestRateSwapMember us-gaap:NondesignatedMember 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:NondesignatedMember 2020-12-31 0001393612 dfs:WhenIssuedForwardContractsMember us-gaap:NondesignatedMember 2021-09-30 0001393612 dfs:WhenIssuedForwardContractsMember us-gaap:NondesignatedMember 2020-12-31 0001393612 us-gaap:LongTermDebtMember 2021-09-30 0001393612 us-gaap:LongTermDebtMember 2020-12-31 0001393612 us-gaap:InterestExpenseMember us-gaap:DepositsMember 2021-07-01 2021-09-30 0001393612 us-gaap:InterestExpenseMember us-gaap:LongTermDebtMember 2021-07-01 2021-09-30 0001393612 us-gaap:OtherIncomeMember 2021-07-01 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestExpenseMember us-gaap:DepositsMember 2021-07-01 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestExpenseMember us-gaap:LongTermDebtMember 2021-07-01 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:OtherIncomeMember 2021-07-01 2021-09-30 0001393612 us-gaap:InterestExpenseMember us-gaap:DepositsMember 2020-07-01 2020-09-30 0001393612 us-gaap:InterestExpenseMember us-gaap:LongTermDebtMember 2020-07-01 2020-09-30 0001393612 us-gaap:OtherIncomeMember 2020-07-01 2020-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestExpenseMember us-gaap:DepositsMember 2020-07-01 2020-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestExpenseMember us-gaap:LongTermDebtMember 2020-07-01 2020-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:OtherIncomeMember 2020-07-01 2020-09-30 0001393612 us-gaap:NondesignatedMember us-gaap:InterestExpenseMember us-gaap:DepositsMember 2020-07-01 2020-09-30 0001393612 us-gaap:NondesignatedMember us-gaap:InterestExpenseMember us-gaap:LongTermDebtMember 2020-07-01 2020-09-30 0001393612 us-gaap:NondesignatedMember us-gaap:OtherIncomeMember 2020-07-01 2020-09-30 0001393612 us-gaap:InterestExpenseMember us-gaap:DepositsMember 2021-01-01 2021-09-30 0001393612 us-gaap:InterestExpenseMember us-gaap:LongTermDebtMember 2021-01-01 2021-09-30 0001393612 us-gaap:OtherIncomeMember 2021-01-01 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestExpenseMember us-gaap:DepositsMember 2021-01-01 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestExpenseMember us-gaap:LongTermDebtMember 2021-01-01 2021-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:OtherIncomeMember 2021-01-01 2021-09-30 0001393612 us-gaap:InterestExpenseMember us-gaap:DepositsMember 2020-01-01 2020-09-30 0001393612 us-gaap:InterestExpenseMember us-gaap:LongTermDebtMember 2020-01-01 2020-09-30 0001393612 us-gaap:OtherIncomeMember 2020-01-01 2020-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestExpenseMember us-gaap:DepositsMember 2020-01-01 2020-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestExpenseMember us-gaap:LongTermDebtMember 2020-01-01 2020-09-30 0001393612 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:OtherIncomeMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:CreditCardReceivablesMember dfs:DirectBankingMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:CreditCardReceivablesMember dfs:PaymentServicesMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:DirectBankingMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:PaymentServicesMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:PersonalLoansMember dfs:DirectBankingMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:PersonalLoansMember dfs:PaymentServicesMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:OtherLoansMember dfs:DirectBankingMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:OtherLoansMember dfs:PaymentServicesMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:UnallocatedFinancingReceivablesMember dfs:OtherLoansandInvestmentIncomeMember dfs:DirectBankingMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:UnallocatedFinancingReceivablesMember dfs:OtherLoansandInvestmentIncomeMember dfs:PaymentServicesMember 2021-07-01 2021-09-30 0001393612 us-gaap:UnallocatedFinancingReceivablesMember dfs:OtherLoansandInvestmentIncomeMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:DirectBankingMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:PaymentServicesMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:CreditCardReceivablesMember dfs:DirectBankingMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:CreditCardReceivablesMember dfs:PaymentServicesMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:DirectBankingMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:PaymentServicesMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:PersonalLoansMember dfs:DirectBankingMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:PersonalLoansMember dfs:PaymentServicesMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:OtherLoansMember dfs:DirectBankingMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:OtherLoansMember dfs:PaymentServicesMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:UnallocatedFinancingReceivablesMember dfs:OtherLoansandInvestmentIncomeMember dfs:DirectBankingMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:UnallocatedFinancingReceivablesMember dfs:OtherLoansandInvestmentIncomeMember dfs:PaymentServicesMember 2020-07-01 2020-09-30 0001393612 us-gaap:UnallocatedFinancingReceivablesMember dfs:OtherLoansandInvestmentIncomeMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:DirectBankingMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:PaymentServicesMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:CreditCardReceivablesMember dfs:DirectBankingMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:CreditCardReceivablesMember dfs:PaymentServicesMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:DirectBankingMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:PaymentServicesMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:PersonalLoansMember dfs:DirectBankingMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:PersonalLoansMember dfs:PaymentServicesMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:OtherLoansMember dfs:DirectBankingMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:OtherLoansMember dfs:PaymentServicesMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:UnallocatedFinancingReceivablesMember dfs:OtherLoansandInvestmentIncomeMember dfs:DirectBankingMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:UnallocatedFinancingReceivablesMember dfs:OtherLoansandInvestmentIncomeMember dfs:PaymentServicesMember 2021-01-01 2021-09-30 0001393612 us-gaap:UnallocatedFinancingReceivablesMember dfs:OtherLoansandInvestmentIncomeMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:DirectBankingMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:PaymentServicesMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:CreditCardReceivablesMember dfs:DirectBankingMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:CreditCardReceivablesMember dfs:PaymentServicesMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:DirectBankingMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember us-gaap:StudentLoanMember dfs:PaymentServicesMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:PersonalLoansMember dfs:DirectBankingMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:PersonalLoansMember dfs:PaymentServicesMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:OtherLoansMember dfs:DirectBankingMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:TotalOtherLoansMember dfs:OtherLoansMember dfs:PaymentServicesMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:UnallocatedFinancingReceivablesMember dfs:OtherLoansandInvestmentIncomeMember dfs:DirectBankingMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:UnallocatedFinancingReceivablesMember dfs:OtherLoansandInvestmentIncomeMember dfs:PaymentServicesMember 2020-01-01 2020-09-30 0001393612 us-gaap:UnallocatedFinancingReceivablesMember dfs:OtherLoansandInvestmentIncomeMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:DirectBankingMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember dfs:PaymentServicesMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:AccountingStandardsUpdate201409Member dfs:DirectBankingMember 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:AccountingStandardsUpdate201409Member dfs:PaymentServicesMember 2021-07-01 2021-09-30 0001393612 us-gaap:AccountingStandardsUpdate201409Member 2021-07-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:AccountingStandardsUpdate201409Member dfs:DirectBankingMember 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:AccountingStandardsUpdate201409Member dfs:PaymentServicesMember 2020-07-01 2020-09-30 0001393612 us-gaap:AccountingStandardsUpdate201409Member 2020-07-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:AccountingStandardsUpdate201409Member dfs:DirectBankingMember 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:AccountingStandardsUpdate201409Member dfs:PaymentServicesMember 2021-01-01 2021-09-30 0001393612 us-gaap:AccountingStandardsUpdate201409Member 2021-01-01 2021-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:AccountingStandardsUpdate201409Member dfs:DirectBankingMember 2020-01-01 2020-09-30 0001393612 us-gaap:OperatingSegmentsMember us-gaap:AccountingStandardsUpdate201409Member dfs:PaymentServicesMember 2020-01-01 2020-09-30 0001393612 us-gaap:AccountingStandardsUpdate201409Member 2020-01-01 2020-09-30 shares iso4217:USD iso4217:USD shares dfs:segment dfs:securities pure dfs:accounts dfs:missed_payments dfs:classes dfs:channels dfs:transactions iso4217:EUR iso4217:GBP iso4217:SGD iso4217:INR 0001393612 --12-31 2021 Q3 false 0.0033 0.0060 0.0100 0 10-Q true 2021-09-30 false 001-33378 DISCOVER FINANCIAL SERVICES DE 36-2517428 2500 Lake Cook Road Riverwoods IL 60015 224 405-0900 Common Stock, par value $0.01 per share DFS NYSE Yes Yes Large Accelerated Filer false false false 293075754 12716000000 13564000000 32000000 25000000 0 2200000000 7791000000 9654000000 7566000000 9277000000 8014000000 9914000000 89542000000 90449000000 6861000000 8226000000 82681000000 82223000000 987000000 1027000000 255000000 255000000 1000000 95000000 3858000000 3586000000 108544000000 112889000000 71126000000 75695000000 1436000000 1209000000 72562000000 76904000000 18516000000 21241000000 4203000000 3860000000 95281000000 102005000000 0.01 0.01 2000000000 2000000000 568761125 567898063 6000000 6000000 0.01 0.01 200000000 200000000 10700 10700 10700 10700 1056000000 1056000000 4345000000 4257000000 23846000000 19955000000 -68000000 45000000 274001084 261300765 15922000000 14435000000 13263000000 10884000000 108544000000 112889000000 32000000 25000000 24751000000 27546000000 1436000000 1936000000 4000000 4000000 9064000000 10840000000 5000000 8000000 2193000000 2171000000 2171000000 6452000000 6760000000 433000000 446000000 1301000000 1369000000 45000000 58000000 142000000 171000000 3000000 6000000 14000000 35000000 2674000000 2681000000 7909000000 8335000000 156000000 287000000 519000000 1000000000 0 3000000 0 3000000 113000000 126000000 356000000 479000000 269000000 416000000 875000000 1482000000 2405000000 2265000000 7034000000 6853000000 185000000 750000000 -45000000 4603000000 2220000000 1515000000 7079000000 2250000000 299000000 238000000 879000000 691000000 43000000 44000000 129000000 135000000 121000000 100000000 333000000 304000000 58000000 50000000 167000000 143000000 -167000000 0 562000000 0 0 0 0 79000000 18000000 17000000 47000000 59000000 372000000 449000000 2117000000 1411000000 483000000 471000000 1487000000 1390000000 210000000 140000000 539000000 500000000 121000000 111000000 375000000 342000000 198000000 151000000 567000000 525000000 23000000 26000000 69000000 83000000 155000000 106000000 456000000 401000000 1190000000 1005000000 3493000000 3241000000 1402000000 959000000 5703000000 420000000 311000000 188000000 1321000000 78000000 1091000000 771000000 4382000000 342000000 1055000000 1055000000 751000000 751000000 4289000000 4289000000 309000000 309000000 3.54 2.45 14.17 1.00 3.54 2.45 14.16 1.00 1091000000 771000000 4382000000 342000000 -29000000 -32000000 -115000000 208000000 0 3000000 2000000 4000000 -29000000 -29000000 -113000000 212000000 1062000000 742000000 4269000000 554000000 11000 1056000000 567653000 6000000 4216000000 18673000000 122000000 -14430000000 9643000000 771000000 771000000 -29000000 -29000000 50000 0 3000000 3000000 41000 0 16000000 16000000 0.44 137000000 137000000 2750 15000000 15000000 11000 1056000000 567744000 6000000 4235000000 19292000000 93000000 -14430000000 10252000000 11000 1056000000 568693000 6000000 4319000000 22936000000 -39000000 -15107000000 13171000000 1091000000 1091000000 -29000000 -29000000 815000000 815000000 21000 0 2000000 2000000 47000 0 24000000 24000000 0.50 151000000 151000000 2750 15000000 15000000 3063 15000000 15000000 11000 1056000000 568761000 6000000 4345000000 23846000000 -68000000 -15922000000 13263000000 6000 563000000 566654000 6000000 4206000000 21290000000 -119000000 -14087000000 11859000000 -1902000000 -1902000000 342000000 342000000 212000000 212000000 343000000 343000000 163000 0 7000000 7000000 927000 0 22000000 22000000 5000 493000000 493000000 1.32 407000000 407000000 5500 31000000 31000000 11000 1056000000 567744000 6000000 4235000000 19292000000 93000000 -14430000000 10252000000 11000 1056000000 567898000 6000000 4257000000 19955000000 45000000 -14435000000 10884000000 4382000000 4382000000 -113000000 -113000000 1487000000 1487000000 67000 0 7000000 7000000 796000 0 81000000 81000000 1.38 422000000 422000000 5500 31000000 31000000 7674 38000000 38000000 11000 1056000000 568761000 6000000 4345000000 23846000000 -68000000 -15922000000 13263000000 4382000000 342000000 -45000000 4603000000 388000000 -600000000 387000000 362000000 217000000 245000000 531000000 40000000 227000000 87000000 273000000 -212000000 359000000 -158000000 4677000000 4563000000 2200000000 0 0 8046000000 1709000000 724000000 9000000 0 63000000 34000000 28000000 44000000 255000000 -5316000000 5000000 0 0 94000000 108000000 54000000 146000000 206000000 3431000000 -2182000000 1731000000 0 3445000000 2974000000 0 494000000 922000000 1754000000 7000000 7000000 1487000000 343000000 -4359000000 5245000000 0 493000000 474000000 424000000 -8949000000 744000000 -841000000 3125000000 13589000000 6964000000 12748000000 10089000000 12716000000 9513000000 32000000 576000000 12748000000 10089000000 Background and Basis of Presentation<div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Description of Business</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Discover Financial Services ("DFS" or the "Company") is a digital banking and payment services company. The Company is a bank holding company under the Bank Holding Company Act of 1956 and a financial holding company under the Gramm-Leach-Bliley Act. Therefore, the Company is subject to oversight, regulation and examination by the Board of Governors of the Federal Reserve System (the "Federal Reserve"). The Company provides digital banking products and services and payment services through its subsidiaries. The Company offers credit card loans, private student loans, personal loans, home loans and deposit products to its customers. The Company also operates the Discover Network, the PULSE network ("PULSE") and Diners Club International ("Diners Club"), collectively known as the Discover Global Network. The Discover Network processes transactions for Discover-branded credit and debit cards and provides payment transaction processing and settlement services. PULSE operates an electronic funds transfer network, providing financial institutions issuing debit cards on the PULSE network with access to ATMs domestically and internationally and merchant acceptance throughout the United States for debit card transactions. Diners Club is a global payments network of licensees, which are generally financial institutions, that issue Diners Club branded credit and charge cards and/or provide card acceptance services. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company manages its business activities in two segments, Digital Banking and Payment Services, based on the products and services provided. See Note 17: Segment Disclosures for a detailed description of each segment's operations and the allocation conventions used in business segment reporting.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Basis of Presentation</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The accompanying condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States ("GAAP") for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete consolidated financial statements. In the opinion of management, the financial statements reflect all adjustments necessary for the fair presentation of results for the interim period. All such adjustments are of a normal, recurring nature. The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect the amounts reported in the condensed consolidated financial statements and related disclosures. These estimates are based on information available as of the date of the condensed consolidated financial statements. The Company believes that the estimates used in the preparation of the condensed consolidated financial statements are reasonable. Actual results could differ from these estimates. These interim condensed consolidated financial statements should be read in conjunction with the Company's 2020 audited consolidated financial statements filed with the Company's annual report on Form 10-K for the year ended December 31, 2020.</span></div> 2 The accompanying condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States ("GAAP") for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete consolidated financial statements. In the opinion of management, the financial statements reflect all adjustments necessary for the fair presentation of results for the interim period. All such adjustments are of a normal, recurring nature. The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect the amounts reported in the condensed consolidated financial statements and related disclosures. These estimates are based on information available as of the date of the condensed consolidated financial statements. The Company believes that the estimates used in the preparation of the condensed consolidated financial statements are reasonable. Actual results could differ from these estimates. Investments<div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company's other short-term investments and investment securities consist of the following (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%"><tr><td style="width:1.0%"/><td style="width:76.396%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.779%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.780%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31,<br/>2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury bills</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,200 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other short-term investments</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,200 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2) </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">and U.S. GSE</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3) </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">securities</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,580 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,354 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">434 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">560 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,014 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,914 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Includes United States Treasury bills with maturity dates greater than 90 days but less than one year at the time of acquisition.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Includes $56 million and $117 million of United States Treasury securities pledged as swap collateral as of September 30, 2021 and December 31, 2020, respectively.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Consists of securities issued by Fannie Mae, Freddie Mac, Ginnie Mae, or the Federal Home Loan Bank.</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The amortized cost, gross unrealized gains and losses and fair value of available-for-sale and held-to-maturity investment securities are as follows (dollars in millions):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:53.079%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized<br/>Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross<br/>Unrealized<br/>Gains</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross<br/>Unrealized<br/>Losses</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">At September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury and U.S. GSE securities</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,362 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,580 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total available-for-sale investment securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,566 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">225 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,791 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Held-to-Maturity Investment Securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3) </span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total held-to-maturity investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">At December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury securities</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,987 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,354 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total available-for-sale investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,277 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">377 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,654 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Held-to-Maturity Investment Securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total held-to-maturity investment securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Available-for-sale investment securities are reported at fair value.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Held-to-maturity investment securities are reported at amortized cost.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Amounts represent residential mortgage-backed securities ("RMBS") that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company invests in United States Treasury obligations and securities issued by government agencies and government-sponsored enterprises of the United States of America ("U.S. GSEs"), which have long histories with no credit losses and are explicitly or implicitly guaranteed by the United States government. Therefore, management has concluded that there is no expectation of non-payment on its investment securities and does not record an allowance for credit losses on these investments. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At September 30, 2021, there were three investment securities with an aggregate fair value of $118 million that had an immaterial aggregate gross unrealized loss for less than 12 months and no securities in an unrealized loss position for more than 12 months. As of December 31, 2020, there were no investment securities with aggregate gross unrealized losses. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the three and nine months ended September 30, 2021, the Company received $5 million of proceeds from the sale of available-for-sale securities. As a result of the sale, the Company recognized an immaterial gain during the three and nine months ended September 30, 2021. There were no proceeds from sales or recognized gains and losses on available-for-sale securities during the three and nine months ended September 30, 2020. See Note 9: Accumulated Other Comprehensive Income for unrealized gains and losses on available-for-sale securities during the three and nine months ended September 30, 2021 and 2020.</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Maturities of available-for-sale debt securities and held-to-maturity debt securities are provided in the following table (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%"><tr><td style="width:1.0%"/><td style="width:41.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.817%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">At September 30, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">One Year<br/>or<br/>Less</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">After One<br/>Year<br/>Through<br/>Five Years</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">After Five<br/>Years<br/>Through<br/>Ten Years</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">After Ten<br/>Years</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities—Amortized Cost</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury and U.S. GSE securities</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,616 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,737 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,362 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total available-for-sale investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,618 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,758 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">183 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,566 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Held-to-Maturity Investment Securities—Amortized Cost</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total held-to-maturity investment securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities—Fair Values</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury and U.S. GSE securities</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,641 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,931 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,580 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total available-for-sale investment securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,643 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,952 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,791 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Held-to-Maturity Investment Securities—Fair Values</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total held-to-maturity investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Maturities of RMBS are reflective of the contractual maturities of the investment.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other Investments</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a part of the Company's community reinvestment initiatives, the Company has made equity investments in certain limited partnerships and limited liability companies that finance the construction and rehabilitation of affordable rental housing and stimulate economic development in low- to moderate-income communities. These investments are accounted for using the equity method of accounting and are recorded within other assets. The related commitment for future investments is recorded in accrued expenses and other liabilities within the condensed consolidated statements of financial condition. The portion of each investment's operating results allocable to the Company reduces the carrying value of the investments and is recorded in other expense within the condensed consolidated statements of income. The Company further reduces the carrying value of the investments by recognizing any amounts that are in excess of future net tax benefits in other expense. The Company earns a return primarily through tax credits allocated to the affordable housing projects and the community revitalization projects. The Company does not consolidate these investments as the Company does not have a controlling financial interest in the investee entities. As of September 30, 2021 and December 31, 2020, the Company had outstanding investments in these entities of $366 million and $353 million, respectively, and related contingent liabilities for unconditional and legally binding delayed equity contributions of $64 million and $93 million, respectively. Of the above outstanding equity investments, the Company had $324 million of investments related to affordable housing projects as of September 30, 2021 and December 31, 2020, which had $52 million and $79 million of related contingent liabilities for unconditional and legally binding delayed equity contributions, respectively.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company holds non-controlling equity positions in several payment services entities. Most of these investments are not subject to equity method accounting because the Company does not have significant influence over the investee. The common or preferred equity securities that the Company holds typically do not have readily determinable fair values. As a result, the majority of these investments are carried at cost minus impairment, if any. As of September 30, 2021 and December 31, 2020, the carrying value of these investments, which are recorded within other assets on the Company's condensed consolidated statements of financial condition, was $31 million and $35 million, respectively.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company also holds non-controlling equity positions in payment service entities that have actively traded stock and therefore have readily determinable fair values. As a result, these investments are carried at fair value based on the quoted share prices. As of September 30, 2021 and December 31, 2020, the carrying value of these investments, which are recorded within other assets on the Company's condensed consolidated statements of financial condition, was $600 million and $8 million, respectively. During the three and nine months ended September 30, 2021, the Company recognized unrealized losses of approximately $167 million and unrealized gains of approximately $562 million, respectively, on the condensed consolidated statements of income related to these investments. The Company recognized no unrealized losses or gains during the three and nine months ended September 30, 2020.</span></div> <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company's other short-term investments and investment securities consist of the following (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%"><tr><td style="width:1.0%"/><td style="width:76.396%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.779%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.780%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31,<br/>2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury bills</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,200 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other short-term investments</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,200 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2) </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">and U.S. GSE</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3) </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">securities</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,580 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,354 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">434 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">560 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,014 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,914 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Includes United States Treasury bills with maturity dates greater than 90 days but less than one year at the time of acquisition.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Includes $56 million and $117 million of United States Treasury securities pledged as swap collateral as of September 30, 2021 and December 31, 2020, respectively.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Consists of securities issued by Fannie Mae, Freddie Mac, Ginnie Mae, or the Federal Home Loan Bank.</span></div> 0 2200000000 0 2200000000 7580000000 9354000000 434000000 560000000 8014000000 9914000000 56000000 117000000 The amortized cost, gross unrealized gains and losses and fair value of available-for-sale and held-to-maturity investment securities are as follows (dollars in millions):<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:53.079%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized<br/>Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross<br/>Unrealized<br/>Gains</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross<br/>Unrealized<br/>Losses</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">At September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury and U.S. GSE securities</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,362 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,580 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total available-for-sale investment securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,566 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">225 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,791 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Held-to-Maturity Investment Securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3) </span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total held-to-maturity investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">At December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury securities</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,987 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,354 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total available-for-sale investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,277 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">377 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,654 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Held-to-Maturity Investment Securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total held-to-maturity investment securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Available-for-sale investment securities are reported at fair value.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Held-to-maturity investment securities are reported at amortized cost.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Amounts represent residential mortgage-backed securities ("RMBS") that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.</span></div> 7362000000 218000000 0 7580000000 204000000 7000000 0 211000000 7566000000 225000000 0 7791000000 223000000 5000000 1000000 227000000 223000000 5000000 1000000 227000000 8987000000 367000000 0 9354000000 290000000 10000000 0 300000000 9277000000 377000000 0 9654000000 260000000 9000000 0 269000000 260000000 9000000 0 269000000 3 118000000 0 0 5000000 5000000 0 0 0 0 <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Maturities of available-for-sale debt securities and held-to-maturity debt securities are provided in the following table (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%"><tr><td style="width:1.0%"/><td style="width:41.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.817%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">At September 30, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">One Year<br/>or<br/>Less</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">After One<br/>Year<br/>Through<br/>Five Years</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">After Five<br/>Years<br/>Through<br/>Ten Years</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">After Ten<br/>Years</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities—Amortized Cost</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury and U.S. GSE securities</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,616 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,737 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,362 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total available-for-sale investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,618 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,758 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">183 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,566 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Held-to-Maturity Investment Securities—Amortized Cost</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total held-to-maturity investment securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities—Fair Values</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury and U.S. GSE securities</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,641 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,931 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,580 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total available-for-sale investment securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,643 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,952 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,791 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Held-to-Maturity Investment Securities—Fair Values</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total held-to-maturity investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Maturities of RMBS are reflective of the contractual maturities of the investment.</span></div> 2616000000 4737000000 9000000 0 7362000000 2000000 21000000 174000000 7000000 204000000 2618000000 4758000000 183000000 7000000 7566000000 0 0 0 223000000 223000000 0 0 0 223000000 223000000 2641000000 4931000000 8000000 0 7580000000 2000000 21000000 180000000 8000000 211000000 2643000000 4952000000 188000000 8000000 7791000000 0 0 0 227000000 227000000 0 0 0 227000000 227000000 366000000 353000000 64000000 93000000 324000000 324000000 52000000 79000000 31000000 35000000 600000000 8000000 -167000000 562000000 0 0 Loan Receivables<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has two loan portfolio segments: credit card loans and other loans.</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company's classes of receivables within the two portfolio segments are depicted in the following table (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%"><tr><td style="width:1.0%"/><td style="width:76.396%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.779%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.780%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31,<br/>2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)(2)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,320 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71,472 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,184 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,954 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,890 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,177 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,148 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,846 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,222 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,977 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loan receivables</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,542 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90,449 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,861)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,226)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loan receivables</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,681 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,223 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Amounts include carrying values of $12.9 billion and $16.7 billion underlying investors' interest in trust debt at September 30, 2021 and December 31, 2020, respectively, and $11.6 billion and $10.6 billion in seller's interest at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Unbilled accrued interest receivable on credit card loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $379 million and $420 million at September 30, 2021 and December 31, 2020, respectively.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Accrued interest receivable on private student, personal and other loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $503 million, $41 million and $6 million, respectively, at September 30, 2021 and $469 million, $49 million and $6 million, respectively, at December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Amounts include carrying values of $215 million and $250 million in loans pledged as collateral against the notes issued from a private student loan securitization trust at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Credit Quality Indicators</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As part of credit risk management activities, on an ongoing basis, the Company reviews information related to the performance of a customer's account with the Company and information from credit bureaus, such as FICO or other credit scores, relating to the customer's broader credit performance. The Company actively monitors key credit quality indicators, including FICO scores and delinquency status, for credit card, private student and personal loans. These indicators are important to understand the overall credit performance of the Company's customers and their ability to repay.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FICO scores are generally obtained at the origination of the account and are refreshed monthly or quarterly thereafter to assist in predicting customer behavior. Historically, the Company has noted that accounts with FICO scores below 660 have larger delinquencies and credit losses than those with higher credit scores.</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides the distribution of the amortized cost basis (excluding accrued interest receivable presented in other assets) by the most recent FICO scores available for the Company's customers for credit card, private student and personal loan receivables (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:28.215%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.089%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="45" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Risk Profile by FICO Score</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="21" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">660 and Above</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Less than 660<br/>or No Score</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">660 and Above</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Less than 660<br/>or No Score</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,005 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,315 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58,950 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,522 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans by origination year</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,011 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,593 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,173 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,485 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,659 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2018</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,185 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,365 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2017</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">898 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,052 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,521 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">201 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,219 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total private student loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,693 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">491 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,468 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">486 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans by origination year</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,541 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,921 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,880 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,291 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,183 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2018</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">550 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,018 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2017</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">276 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">88 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">558 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total personal loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,666 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">224 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,866 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Amounts include $881 million and $1.0 billion of revolving line-of-credit arrangements that were converted to term loans as a result of a troubled debt restructuring ("TDR") program as of September 30, 2021 and December 31, 2020, respectively.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">A majority of private student loan originations occur in the third quarter and disbursements can span multiple calendar years.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">FICO score represents the higher credit score of the cosigner or borrower.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Delinquencies are an indicator of credit quality at a point in time. A loan balance is considered delinquent when contractual payments on the loan become 30 days past due.</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amortized cost basis (excluding accrued interest receivable presented in other assets) of delinquent loans in the Company's loan portfolio is shown below for credit card, private student and personal loan receivables (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.404%"><tr><td style="width:1.0%"/><td style="width:40.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.031%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.031%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.031%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.031%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.031%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.038%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30-89 Days<br/>Delinquent</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">90 or<br/>More Days<br/>Delinquent</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Past<br/>Due</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30-89 Days<br/>Delinquent</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">90 or<br/>More Days<br/>Delinquent</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Past<br/>Due</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">573 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">467 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,040 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">739 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">739 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,478 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans by origination year</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2018</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2017</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Prior</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total private student loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans by origination year</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2018</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2017</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total personal loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Private student loans may include a deferment period, during which customers are not required to make payments while enrolled in school at least half time as determined by the school. During a deferment period, these loans do not advance into delinquency.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables provide changes in the Company's allowance for credit losses (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:44.286%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.167%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.167%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.167%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.167%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.470%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30, 2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Card Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Student Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at June 30, 2021</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,409 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">828 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">745 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,026 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deductions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(495)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(556)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">231 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(289)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(325)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2021</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,298 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">662 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,861 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Card Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Student Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at June 30, 2020</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,491 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">799 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,184 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">604 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">710 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deductions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(759)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(62)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(842)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(604)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(668)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2020</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,491 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">840 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,226 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30, 2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Card Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Student Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at December 31, 2020</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,491 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">840 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,226 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(96)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deductions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,778)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(63)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(150)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,991)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">603 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">673 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,175)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(99)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,318)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2021</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,298 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">662 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,861 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Card Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Student Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at December 31, 2019</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,883 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">348 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,383 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cumulative effect of ASU No. 2016-13 adoption</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,667 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">505 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">265 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,461 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at January 1, 2020</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,550 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">653 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">613 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,844 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,916 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,586 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deductions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,480)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(62)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(224)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,767)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">505 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">563 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,975)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(182)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,204)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2020</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,491 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">840 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,226 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Excludes a $25 million and $40 million reclassification of the liability for expected credit losses on unfunded commitments for the three months ended September 30, 2021 and 2020, respectively, and $2 million and $17 million for the nine months ended September 30, 2021 and 2020, respectively, as the liability is recorded in accrued expenses and other liabilities in the Company's condensed consolidated statements of financial condition.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Prior to the adoption of Accounting Standards Update ("ASU") No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Represents the adjustment to the allowance for credit losses due to the adoption of ASU No. 2016-13 on January 1, 2020.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for credit losses was approximately $6.9 billion at September 30, 2021, which reflects a $165 million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">release from the amount of the allowance for credit losses at June 30, 2021 and a $1.4 billion</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">release from the amount of the allowance for credit losses at December 31, 2020. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">release in the allowance for credit losses between September 30, 2021 and June 30, 2021, was primarily driven by improving macroeconomic forecasts and continued stable credit performance, partially offset by modest loan growth during the period. The modest growth in loan receivables during the three months ended September 30, 2021, was driven by the robust credit card sales trends as coronavirus disease 2019 ("COVID-19") restrictions continue to ease and the United States economy continues to more fully reopen. Additionally, credit card sales from new accounts and seasonality in private student loan originations contributed to an increase in ending outstanding loan receivables. The loan receivables growth was partially offset by elevated payment rates resulting from the several rounds of government stimulus and associated improvement in household cash flows.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The release</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">in the allowance for credit losses between September 30, 2021 and December 31, 2020, was primarily driven by improvements in the macroeconomic forecast and continued stable credit performance. The release was also partially driven by a moderate reduction in loan receivables outstanding during the period. The decrease in outstanding loan receivables, particularly credit card and personal loan receivables, and the stable credit performance, were driven by elevated payment rates resulting from the several rounds of government stimulus and associated improvement in household cash flows. The decrease in outstanding loan receivables was partially offset by the robust credit card sales trends during the period and seasonality in private student loan originations in the third quarter of 2021.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating the allowance at September 30, 2021, the Company used a macroeconomic forecast that projected (i) a peak unemployment rate of 6.1%, decreasing to 5.5% and 4.0% through the end of 2021 and 2022, respectively; and (ii) a 6.4% and 3.5% annualized growth in the real gross domestic product for 2021 and 2022, respectively. Labor market conditions, which historically have been an important determinant of credit loss trends, continue to improve despite the spread of the COVID-19 delta variant. However, the unemployment rate and initial and continuing jobless claims remain moderately elevated relative to pre-pandemic levels. In estimating expected credit losses, the Company considered the uncertainties associated with borrower behavior, payment trends and credit performance subsequent to the expiration of government stimulus programs, such as the Coronavirus Aid, Relief, and Economic Security Act ("CARES Act") and the American Rescue Plan Act of 2021 ("ARPA"), and disaster relief programs, such as foreclosure moratoriums and federal student loan and mortgage payment forbearance. During the third quarter of 2021, several disaster relief programs expired or were rescinded entirely. As the government's response to the pandemic wanes, there is uncertainty regarding the sustainability of the recent credit quality trends in the Company's loan receivables portfolio. Accordingly, the estimation of the allowance for credit losses has required significant management judgment.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Company-initiated loan modification programs include those specifically offered in response to the COVID-19 pandemic as well as existing programs offered to customers experiencing difficulty making their payments. In addition to the Skip-a-Pay (payment deferral) ("SaP") programs, which ended on August 31, 2020, the Company has other modification programs that customers have utilized during the period related to the pandemic. The Company evaluated the accounts using these modifications as a result of the COVID-19 pandemic for potential exclusion from the TDR designation either due to the insignificance of the concession or because they qualified for an exemption pursuant to the CARES Act. The effects of all modifications, including TDRs, loan modifications exempt from the TDR designation pursuant to the CARES Act and SaP programs, are considered as part of the process for determining the allowance for credit losses.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The forecast period the Company deemed reasonable and supportable was 18 months for all periods presented except March 31, 2020, where the forecast period was 12 months due to the uncertainty caused by the rapidly changing economic environment experienced at the onset of the COVID-19 pandemic. The 18-month reasonable and supportable forecast period was deemed appropriate based on the observed economic phase transition from recovery to expansion and the associated stabilization of macroeconomic forecasts. For all periods presented, the Company determined that a reversion period of 12 months was appropriate for similar reasons. Due to the uncertainties associated with borrower behavior resulting from government stimulus and disaster relief programs, the Company applied a weighted reversion method to provide a more reasonable transition to historical losses for all loan products for all periods presented with the following exceptions: at March 31, 2020 and December 31, 2019, the Company applied a straight-line method for all loan products. At June 30, 2020, the Company applied a weighted reversion method for credit card loans and a straight-line method for all other loan products.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The decrease in net charge-offs for credit card and personal loans for the three and nine months ended September 30, 2021, when compared to the same periods in 2020, was primarily due to the impacts of government stimulus and disaster relief programs and to a lesser extent improved collection and recovery strategies. Additionally, the decrease in net charge-</span></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">offs of personal loans for the three and nine months ended September 30, 2021, were favorably impacted by tighter underwriting standards that were implemented in early 2020. Net charge-offs for private student loans remained relatively flat for the three and nine months ended September 30, 2021, when compared to the same period in 2020, due to the impacts of government stimulus and disaster relief programs.</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net charge-offs of principal are recorded against the allowance for credit losses, as shown in the preceding table. Information regarding net charge-offs of interest and fee revenues on credit card and other loans is as follows (dollars in millions): </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:53.215%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest and fees accrued subsequently charged-off, net of recoveries (recorded as a reduction of interest income)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fees accrued subsequently charged-off, net of recoveries (recorded as a reduction to other income)</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Delinquent and Non-Accruing Loans</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amortized cost basis (excluding accrued interest receivable presented in other assets) of delinquent and non-accruing loans in the Company's loan portfolio is shown below for each class of loan receivables (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%"><tr><td style="width:1.0%"/><td style="width:40.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.863%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30-89 Days<br/>Delinquent</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">90 or<br/>More Days<br/>Delinquent</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Past<br/>Due</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">90 or<br/>More Days<br/>Delinquent<br/>and<br/>Accruing</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Non-accruing</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">At September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">573 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">467 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,040 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">201 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loan receivables</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">736 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">522 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,258 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">479 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">At December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">739 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">739 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,478 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">687 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">209 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">171 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loan receivables</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">910 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">795 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,705 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">737 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">243 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The Company estimates that the gross interest income that would have been recorded under the original terms of non-accruing credit card loans was $6 million and $7 million for the three months ended September 30, 2021 and 2020, respectively, and $21 million and $25 million for the nine months ended September 30, 2021 and 2020, respectively. The Company does not separately track the amount of gross interest income that would have been recorded under the original terms of loans. Instead, the Company estimated this amount based on customers' current balances and most recent interest rates.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Troubled Debt Restructurings</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has internal loan modification programs that provide relief to credit card, private student and personal loan borrowers who may be experiencing financial hardship. The Company considers a modified loan in which a concession has been granted to the borrower to be a TDR based on the cumulative length of the concession period and credit quality of the borrower. The Company evaluates new programs to determine which of them meet the definition of a TDR, including modification programs provided to customers for temporary relief due to the economic impacts of the COVID-19 pandemic. The internal loan modification programs include both temporary and permanent programs, which vary by product. External loan modification programs are also available for credit card and personal loans. All loans modified in a temporary modification program, including those specifically created in response to the COVID-19 pandemic, are evaluated for </span></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">exclusion from the TDR designation either due to the insignificance of the concession or because they qualify for exemption pursuant to the CARES Act. To the extent the loan accounts do not meet the requirements for exclusion, temporary and permanent modifications on credit card and personal loans, as well as temporary modifications on private student loans and certain grants of private student loan forbearance, result in the loans being classified as TDRs. In addition, loans that defaulted from, or successfully completed a loan modification program or forbearance, continue to be classified as TDRs, except as noted below. See the table below that presents the carrying value of loans that experienced a payment default during the period for more information.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For credit card customers, the Company offers both temporary and permanent hardship programs. The temporary hardship programs consist of an interest rate reduction and, in some cases, a reduced minimum payment, both lasting for a period no longer than 12 months. Charging privileges on these accounts are generally suspended while in the program. However, if the customer meets certain criteria, charging privileges may be reinstated following completion of the program. Credit card accounts of borrowers who have previously participated in a temporary interest rate reduction program and have both demonstrated financial stability and had their charging privileges reinstated at a market-based interest rate, are excluded from the balance of TDRs.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The permanent modification program involves closing the account, changing the loan structure to a fixed payment loan with a maturity no longer than 72 months and reducing the interest rate on the loan. The permanent modification program does not typically provide for the forgiveness of unpaid principal but may allow for the reversal of certain unpaid interest or fee assessments. The Company also makes permanent loan modifications for customers who request financial assistance through external sources, such as a consumer credit counseling agency program. These loans typically receive a reduced interest rate, typically continue to be subject to the original minimum payment terms and do not normally include waiver of unpaid principal, interest or fees. These permanent loan modifications remain in the population of TDRs until they are paid off or charged off.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At September 30, 2021 and December 31, 2020, there were $5.3 billion and $5.7 billion, respectively, of private student loans in repayment and $63 million and $117 million, respectively, in forbearance. To assist private student loan borrowers who are experiencing temporary financial difficulties but are willing to resume making payments, the Company may offer hardship forbearance, payment deferral, a temporary payment reduction, a temporary interest rate reduction or extended terms. A modified loan typically meets the definition of a TDR based on the cumulative length of the concession period and a determination of financial distress based on an evaluation of the borrower's credit quality using FICO scores. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For personal loan customers, the Company offers various payment programs, including temporary and permanent programs, in certain situations. The temporary programs normally consist of reducing the minimum payment for no longer than 12 months. Further, the interest rate on the loan is reduced in certain circumstances. The permanent programs involve extending the loan term and, in certain circumstances, reducing the interest rate on the loan. The total term of the loan, including modification, may not exceed nine years. The Company also allows permanent loan modifications for customers who request financial assistance through external sources, similar to the credit card customers discussed above. Payments are modified based on the new terms agreed upon with the credit counseling agency. Personal loans included in temporary and permanent programs are classified as TDRs.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company monitors borrower performance after using payment programs or forbearance. The Company believes the programs are useful in assisting customers experiencing financial difficulties and allowing them to make timely payments. In addition to helping customers with their credit needs, these programs are designed to maximize collections and ultimately the Company’s profitability. The Company plans to continue to use payment programs and forbearance to provide relief to customers experiencing temporary financial difficulties and expects to have additional loans classified as TDRs in the future as a result.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To evaluate the primary financial effects that resulted from credit card loans entering into a TDR program during the three and nine months ended September 30, 2021 and 2020, the Company quantified the amount by which interest and fees were reduced during the periods. During the three months ended September 30, 2021 and 2020, the Company forgave approximately $7 million and $13 million, respectively, of interest and fees resulting from accounts entering into a credit card loan TDR program. During the nine months ended September 30, 2021 and 2020, the Company forgave approximately $28 million and $52 million, respectively, of interest and fees resulting from accounts entering into a credit card loan TDR program. For all loan products, interest income on modified loans is recognized based on the modified contractual terms.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Section 4013 of the CARES Act provides certain financial institutions with the option to suspend the application of accounting and reporting guidance for TDRs for a limited period of time for loan modifications made to address the effects of </span></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">the COVID-19 pandemic. Section 541 of the Omnibus and COVID Relief and Response Act extended the loan modification relief provided by the CARES Act through the earlier of January 1, 2022, or the date that is 60 days after the termination of the presidentially-declared national emergency. The Company has elected to apply the option to suspend the application of accounting guidance for TDRs as provided under Section 4013 of the CARES Act and as subsequently extended. As such, TDR program balances and the number of accounts have been favorably impacted by the exclusion of certain modifications from the TDR designation pursuant to these exemptions and are expected to remain lower than they otherwise would have been. </span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information on loans that entered a TDR program during the period (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:53.079%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balances</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balances</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accounts that entered a TDR program during the period</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,964 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,779 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">888 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,505 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balances</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balances</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accounts that entered a TDR program during the period</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,887 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130,869 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">875 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">355 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,767 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,102 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,315 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Accounts that entered a credit card TDR program include $72 million and $143 million that were converted from revolving line-of-credit arrangements to term loans during the three months ended September 30, 2021 and 2020, respectively, and $288 million and $529 million for the nine months ended September 30, 2021 and 2020, respectively.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The number and balance of new credit card and personal loan modifications, including the combined total of those identified as TDRs and those exempt from the TDR designation, decreased during the three and nine months ended September 30, 2021, when compared to the same periods in 2020. The decrease in both periods is primarily due to the impacts of several rounds of government stimulus and disaster relief programs, which reduced the need for customers to enroll in a loan modification program. The number and balance of loan modifications across all products, including the combined total of those identified as TDRs and those exempt from the TDR designation, during the three and nine months ended September 30, 2020, were favorably impacted by the utilization of SaP programs in lieu of traditional loan modification programs. Additionally, enrollments in personal loan modification programs were favorably impacted by tighter underwriting standards that were implemented in early 2020.</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the carrying value of loans that experienced a default during the period that had been modified in a TDR during the 15 months preceding the end of each period (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:53.079%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregated Outstanding Balances Upon Default</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregated Outstanding Balances Upon Default</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">TDRs that subsequently defaulted</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,679 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,983 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">272 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">399 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">624 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregated Outstanding Balances Upon Default</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregated Outstanding Balances Upon Default</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">TDRs that subsequently defaulted</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,205 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,285 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">235 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">214 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">876 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,287 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,446 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">For credit card loans that default from a temporary program, accounts revert to the pre-modification terms and charging privileges remain suspended in most cases.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">For credit card loans and personal loans, a customer defaults from a loan modification program after either two consecutive missed payments or at charge-off, depending on the program. The outstanding balance upon default is generally the loan balance at the end of the month prior to default. </span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">For student loans, a customer defaults from a loan modification after they are 60 or more days delinquent. The outstanding balance upon default is generally the loan balance at the end of the month prior to default. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Of the account balances that defaulted as shown above for the three months ended September 30, 2021 and 2020, approximately 62% and 65%, respectively, and for the nine months ended September 30, 2021 and 2020, approximately 66% and 52%, respectively, of the total balances were charged off at the end of the month in which they defaulted from a TDR program. For accounts that have defaulted from a TDR program and have not been subsequently charged off, the balances are included in the allowance for credit loss analysis discussed above under “— Allowance for Credit Losses.”</span></div> 2 <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company's classes of receivables within the two portfolio segments are depicted in the following table (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%"><tr><td style="width:1.0%"/><td style="width:76.396%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.779%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.780%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31,<br/>2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)(2)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,320 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71,472 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,184 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,954 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,890 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,177 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,148 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,846 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,222 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,977 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loan receivables</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,542 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90,449 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,861)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,226)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loan receivables</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,681 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,223 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Amounts include carrying values of $12.9 billion and $16.7 billion underlying investors' interest in trust debt at September 30, 2021 and December 31, 2020, respectively, and $11.6 billion and $10.6 billion in seller's interest at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Unbilled accrued interest receivable on credit card loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $379 million and $420 million at September 30, 2021 and December 31, 2020, respectively.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Accrued interest receivable on private student, personal and other loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $503 million, $41 million and $6 million, respectively, at September 30, 2021 and $469 million, $49 million and $6 million, respectively, at December 31, 2020.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Amounts include carrying values of $215 million and $250 million in loans pledged as collateral against the notes issued from a private student loan securitization trust at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.</span></div> 2 70320000000 71472000000 10184000000 9954000000 6890000000 7177000000 2148000000 1846000000 19222000000 18977000000 89542000000 90449000000 6861000000 8226000000 82681000000 82223000000 12900000000 16700000000 11600000000 10600000000 379000000 420000000 503000000 41000000 6000000 469000000 49000000 6000000 215000000 250000000 <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides the distribution of the amortized cost basis (excluding accrued interest receivable presented in other assets) by the most recent FICO scores available for the Company's customers for credit card, private student and personal loan receivables (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:28.215%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.089%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="45" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Risk Profile by FICO Score</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="21" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">660 and Above</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Less than 660<br/>or No Score</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">660 and Above</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Less than 660<br/>or No Score</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,005 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,315 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58,950 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,522 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans by origination year</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,011 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,593 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,173 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,485 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,659 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2018</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,185 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,365 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2017</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">898 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,052 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,521 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">201 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,219 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total private student loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,693 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">491 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,468 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">486 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans by origination year</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,541 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,921 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,880 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,291 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,183 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2018</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">550 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,018 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2017</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">276 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">88 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">558 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total personal loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,666 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">224 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,866 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Amounts include $881 million and $1.0 billion of revolving line-of-credit arrangements that were converted to term loans as a result of a troubled debt restructuring ("TDR") program as of September 30, 2021 and December 31, 2020, respectively.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">A majority of private student loan originations occur in the third quarter and disbursements can span multiple calendar years.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">FICO score represents the higher credit score of the cosigner or borrower.</span></div> 59005000000 0.84 11315000000 0.16 58950000000 0.82 12522000000 0.18 1011000000 0.94 70000000 0.06 1593000000 0.97 54000000 0.03 1173000000 0.95 60000000 0.05 1485000000 0.96 56000000 0.04 1659000000 0.96 61000000 0.04 1185000000 0.95 58000000 0.05 1365000000 0.96 61000000 0.04 898000000 0.95 52000000 0.05 1052000000 0.95 57000000 0.05 3521000000 0.95 201000000 0.05 4219000000 0.94 247000000 0.06 9693000000 0.95 491000000 0.05 9468000000 0.95 486000000 0.05 2541000000 0.99 18000000 0.01 1921000000 0.98 37000000 0.02 2880000000 0.99 25000000 0.01 1291000000 0.95 66000000 0.05 2183000000 0.96 90000000 0.04 550000000 0.92 51000000 0.08 1018000000 0.92 90000000 0.08 276000000 0.88 36000000 0.12 558000000 0.89 69000000 0.11 87000000 0.84 16000000 0.16 227000000 0.86 37000000 0.14 6666000000 0.97 224000000 0.03 6866000000 0.96 311000000 0.04 881000000 1000000000 P30D <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amortized cost basis (excluding accrued interest receivable presented in other assets) of delinquent loans in the Company's loan portfolio is shown below for credit card, private student and personal loan receivables (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.404%"><tr><td style="width:1.0%"/><td style="width:40.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.031%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.031%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.031%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.031%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.031%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.038%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30-89 Days<br/>Delinquent</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">90 or<br/>More Days<br/>Delinquent</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Past<br/>Due</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30-89 Days<br/>Delinquent</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">90 or<br/>More Days<br/>Delinquent</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Past<br/>Due</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">573 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">467 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,040 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">739 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">739 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,478 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans by origination year</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2018</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2017</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Prior</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total private student loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans by origination year</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2018</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2017</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total personal loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Private student loans may include a deferment period, during which customers are not required to make payments while enrolled in school at least half time as determined by the school. During a deferment period, these loans do not advance into delinquency.</span></div> 573000000 467000000 1040000000 739000000 739000000 1478000000 0 0 0 4000000 1000000 5000000 0 0 0 11000000 2000000 13000000 3000000 1000000 4000000 14000000 4000000 18000000 9000000 3000000 12000000 15000000 5000000 20000000 12000000 4000000 16000000 78000000 24000000 102000000 86000000 20000000 106000000 122000000 36000000 158000000 110000000 28000000 138000000 2000000 0 2000000 7000000 2000000 9000000 5000000 2000000 7000000 12000000 5000000 17000000 18000000 9000000 27000000 8000000 3000000 11000000 15000000 7000000 22000000 5000000 2000000 7000000 10000000 5000000 15000000 2000000 1000000 3000000 5000000 2000000 7000000 36000000 13000000 49000000 53000000 25000000 78000000 <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables provide changes in the Company's allowance for credit losses (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:44.286%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.167%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.167%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.167%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.167%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.470%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30, 2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Card Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Student Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at June 30, 2021</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,409 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">828 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">745 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,026 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deductions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(495)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(556)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">231 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(289)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(325)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2021</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,298 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">662 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,861 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Card Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Student Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at June 30, 2020</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,491 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">799 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,184 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">604 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">710 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deductions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(759)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(62)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(842)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(604)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(668)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2020</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,491 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">840 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,226 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30, 2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Card Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Student Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at December 31, 2020</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,491 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">840 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,226 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(96)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deductions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,778)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(63)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(150)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,991)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">603 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">673 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,175)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(99)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,318)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2021</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,298 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">662 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,861 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Card Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Student Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at December 31, 2019</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,883 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">348 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,383 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cumulative effect of ASU No. 2016-13 adoption</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,667 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">505 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">265 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,461 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at January 1, 2020</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,550 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">653 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">613 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,844 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,916 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,586 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deductions</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,480)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(62)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(224)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,767)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">505 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">563 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,975)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(182)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,204)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2020</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,491 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">840 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,226 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Excludes a $25 million and $40 million reclassification of the liability for expected credit losses on unfunded commitments for the three months ended September 30, 2021 and 2020, respectively, and $2 million and $17 million for the nine months ended September 30, 2021 and 2020, respectively, as the liability is recorded in accrued expenses and other liabilities in the Company's condensed consolidated statements of financial condition.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Prior to the adoption of Accounting Standards Update ("ASU") No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Represents the adjustment to the allowance for credit losses due to the adoption of ASU No. 2016-13 on January 1, 2020.</span></div> 5409000000 828000000 745000000 44000000 7026000000 178000000 46000000 -64000000 0 160000000 495000000 23000000 38000000 0 556000000 206000000 6000000 19000000 0 231000000 289000000 17000000 19000000 0 325000000 5298000000 857000000 662000000 44000000 6861000000 6491000000 799000000 857000000 37000000 8184000000 604000000 55000000 49000000 2000000 710000000 759000000 20000000 62000000 1000000 842000000 155000000 6000000 13000000 0 174000000 604000000 14000000 49000000 1000000 668000000 6491000000 840000000 857000000 38000000 8226000000 6491000000 840000000 857000000 38000000 8226000000 -18000000 61000000 -96000000 6000000 -47000000 1778000000 63000000 150000000 0 1991000000 603000000 19000000 51000000 0 673000000 1175000000 44000000 99000000 0 1318000000 5298000000 857000000 662000000 44000000 6861000000 2883000000 148000000 348000000 4000000 3383000000 1667000000 505000000 265000000 24000000 2461000000 4550000000 653000000 613000000 28000000 5844000000 3916000000 233000000 426000000 11000000 4586000000 2480000000 62000000 224000000 1000000 2767000000 505000000 16000000 42000000 0 563000000 1975000000 46000000 182000000 1000000 2204000000 6491000000 840000000 857000000 38000000 8226000000 25000000 40000000 2000000 17000000 6900000000 -165000000 -1400000000 0.061 0.055 0.040 0.064 0.035 P18M P18M P18M P18M P18M P18M P12M P12M P12M <span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net charge-offs of principal are recorded against the allowance for credit losses, as shown in the preceding table. Information regarding net charge-offs of interest and fee revenues on credit card and other loans is as follows (dollars in millions): </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:53.215%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest and fees accrued subsequently charged-off, net of recoveries (recorded as a reduction of interest income)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fees accrued subsequently charged-off, net of recoveries (recorded as a reduction to other income)</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table> 57000000 114000000 232000000 393000000 15000000 27000000 59000000 95000000 <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amortized cost basis (excluding accrued interest receivable presented in other assets) of delinquent and non-accruing loans in the Company's loan portfolio is shown below for each class of loan receivables (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%"><tr><td style="width:1.0%"/><td style="width:40.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.863%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30-89 Days<br/>Delinquent</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">90 or<br/>More Days<br/>Delinquent</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Past<br/>Due</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">90 or<br/>More Days<br/>Delinquent<br/>and<br/>Accruing</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Non-accruing</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">At September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">573 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">467 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,040 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">201 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loan receivables</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">736 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">522 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,258 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">479 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">At December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">739 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">739 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,478 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">687 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">209 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">171 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loan receivables</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">910 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">795 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,705 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">737 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">243 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The Company estimates that the gross interest income that would have been recorded under the original terms of non-accruing credit card loans was $6 million and $7 million for the three months ended September 30, 2021 and 2020, respectively, and $21 million and $25 million for the nine months ended September 30, 2021 and 2020, respectively. The Company does not separately track the amount of gross interest income that would have been recorded under the original terms of loans. Instead, the Company estimated this amount based on customers' current balances and most recent interest rates.</span></div> 573000000 467000000 1040000000 430000000 201000000 122000000 36000000 158000000 35000000 8000000 36000000 13000000 49000000 12000000 9000000 5000000 6000000 11000000 2000000 14000000 163000000 55000000 218000000 49000000 31000000 736000000 522000000 1258000000 479000000 232000000 739000000 739000000 1478000000 687000000 209000000 110000000 28000000 138000000 27000000 12000000 53000000 25000000 78000000 23000000 12000000 8000000 3000000 11000000 0 10000000 171000000 56000000 227000000 50000000 34000000 910000000 795000000 1705000000 737000000 243000000 6000000 7000000 21000000 25000000 P12M P72M 5300000000 5700000000 63000000 117000000 P12M P9Y 7000000 13000000 28000000 52000000 <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information on loans that entered a TDR program during the period (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:53.079%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balances</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balances</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accounts that entered a TDR program during the period</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,964 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,779 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">888 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,505 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balances</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balances</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accounts that entered a TDR program during the period</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,887 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130,869 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">875 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">355 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,767 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,102 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,315 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Accounts that entered a credit card TDR program include $72 million and $143 million that were converted from revolving line-of-credit arrangements to term loans during the three months ended September 30, 2021 and 2020, respectively, and $288 million and $529 million for the nine months ended September 30, 2021 and 2020, respectively.</span></div> 13964 86000000 20779 150000000 102 2000000 118 2000000 888 10000000 2505 33000000 48887 315000000 130869 875000000 355 7000000 1767 32000000 3102 38000000 6315 83000000 72000000 143000000 288000000 529000000 <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the carrying value of loans that experienced a default during the period that had been modified in a TDR during the 15 months preceding the end of each period (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:53.079%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregated Outstanding Balances Upon Default</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregated Outstanding Balances Upon Default</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">TDRs that subsequently defaulted</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,679 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,983 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">272 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">399 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">624 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregated Outstanding Balances Upon Default</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Accounts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregated Outstanding Balances Upon Default</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">TDRs that subsequently defaulted</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,205 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,285 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">235 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">214 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">876 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,287 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,446 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">For credit card loans that default from a temporary program, accounts revert to the pre-modification terms and charging privileges remain suspended in most cases.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">For credit card loans and personal loans, a customer defaults from a loan modification program after either two consecutive missed payments or at charge-off, depending on the program. The outstanding balance upon default is generally the loan balance at the end of the month prior to default. </span></div>(3)For student loans, a customer defaults from a loan modification after they are 60 or more days delinquent. The outstanding balance upon default is generally the loan balance at the end of the month prior to default. 3679 21000000 8983 52000000 83 2000000 272 6000000 399 6000000 624 9000000 14205 84000000 41285 235000000 214 5000000 876 18000000 1287 18000000 2446 36000000 2 2 P60D 0.62 0.65 0.66 0.52 Credit Card and Private Student Loan Securitization Activities<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company's securitizations are accounted for as secured borrowings and the related trusts are treated as consolidated subsidiaries of the Company. For a description of the Company's principles of consolidation with respect to VIEs, see Note 1: Background and Basis of Presentation to the consolidated financial statements in the Company's annual report on Form 10-K for the year ended December 31, 2020.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Credit Card Securitization Activities</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company accesses the term asset securitization market through the Discover Card Master Trust I ("DCMT") and the Discover Card Execution Note Trust ("DCENT"). Credit card loan receivables are transferred into DCMT and beneficial interests in DCMT are transferred into DCENT. DCENT issues debt securities to investors that are reported in long-term borrowings.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The DCENT debt structure consists of four classes of securities (DiscoverSeries Class A, B, C and D notes), with the most senior class generally receiving a triple-A rating. To issue senior, higher-rated classes of notes, it is necessary to obtain the appropriate amount of credit enhancement, generally through the issuance of junior, lower-rated or more highly subordinated classes of notes. Wholly-owned subsidiaries of Discover Bank hold the subordinated classes of notes. The Company is exposed to credit risk associated with trust receivables as of the balance sheet date through the retention of these subordinated interests. The current expected credit loss ("CECL") on trust receivables is included in the allowance for credit losses estimate. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company's retained interests in the trust's assets, consisting of investments in DCENT notes held by subsidiaries of Discover Bank, constitute intercompany positions that are eliminated in the preparation of the Company's condensed consolidated statements of financial condition.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Upon transfer of credit card loan receivables to the trust, the receivables and certain cash flows derived from them become restricted for use in meeting obligations to the trust's creditors. Further, the transferred credit card loan receivables are owned by the trust and are not available to the Company's third-party creditors. The trusts have ownership of cash balances, which are reported in restricted cash within the Company's condensed consolidated statements of financial condition. Except for the seller's interest in trust receivables, the Company's interests in trust assets are generally subordinate to the interests of third-party investors in trust debt and, as such, may not be realized by the Company if needed to absorb deficiencies in cash flows that are allocated to those investors. Apart from the restricted assets related to securitization activities, the investors and the securitization trusts have no recourse to the Company's other assets or the Company's general credit for a shortage in cash flows.</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The carrying values of these restricted assets, which are presented on the Company's condensed consolidated statements of financial condition as relating to securitization activities, are shown in the following table (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.727%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.466%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31,<br/>2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Restricted cash</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Investors' interests held by third-party investors</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,925 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,600 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Investors' interests held by wholly-owned subsidiaries of Discover Bank</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,971 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,121 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Seller's interest</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,640 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,575 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan receivables</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,536 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,296 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses allocated to securitized loan receivables</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,436)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,936)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loan receivables</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,100 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,360 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Carrying value of assets of consolidated variable interest entities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,126 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,379 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The Company maintains its allowance for credit losses at an amount equal to lifetime expected credit losses associated with all loan receivables, which includes all loan receivables in the trusts. Therefore, the credit risk associated with the transferred receivables is fully reflected on the Company's statements of financial condition in accordance with GAAP.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The debt securities issued by the consolidated trusts are subject to credit, payment and interest rate risks on the transferred credit card loan receivables. To protect investors in the securities, certain features or triggering events will cause an early amortization of the debt securities, including triggers related to the impact of the performance of the trust receivables on the availability and adequacy of cash flows to meet contractual requirements. As of September 30, 2021, no economic or other early amortization events have occurred.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company continues to own and service the accounts that generate the loan receivables held by the trusts. Discover Bank receives servicing fees from the trusts based on a percentage of the monthly investor principal balance outstanding. Although the fee income to Discover Bank offsets the fee expense to the trusts and thus is eliminated in consolidation, failure to service the transferred loan receivables in accordance with contractual requirements could lead to a termination of the servicing rights and the loss of future servicing income, net of related expenses.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Private Student Loan Securitization Activities</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Private student loan trust receivables are reported in loan receivables and the related debt issued by the trust is reported in long-term borrowings. The trust assets are restricted from being sold or pledged as collateral for other borrowings and the cash flows from these restricted assets may be used only to pay obligations of the trusts. Except for the trust's restricted assets, the trust and investors have no recourse to the Company's other assets or the Company's general credit for a shortage in cash flows. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Principal payments on the long-term secured borrowings are made as cash is collected on the underlying loans that are collateral on the secured borrowings. The Company does not have access to cash collected by the securitization trust until cash is released in accordance with the trust indenture agreement. Similar to the credit card securitizations, the Company continues to service the private student loan receivables held by the trust and receives servicing fees from the trust based on a percentage of the principal balance outstanding. Although the servicing fee income offsets the fee expense related to the trust </span></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">and thus is eliminated in consolidation, failure to service the transferred loan receivables in accordance with contractual requirements could lead to a termination of the servicing rights and the loss of future servicing income, net of related expenses. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under terms of the trust arrangement, the Company has the option, but not the obligation, to provide financial support to the trust, but has never provided such support. A substantial portion of the credit risk associated with the securitized loans has been transferred to a third party under an indemnification arrangement.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The carrying values of these restricted assets, which are presented on the Company's condensed consolidated statements of financial condition as relating to securitization activities, are shown in the following table (dollars in millions): </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%"><tr><td style="width:1.0%"/><td style="width:76.396%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.779%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.780%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31,<br/>2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Restricted cash</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loan receivables</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">215 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Carrying value of assets of consolidated variable interest entities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">224 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">259 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div> 4 <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The carrying values of these restricted assets, which are presented on the Company's condensed consolidated statements of financial condition as relating to securitization activities, are shown in the following table (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.727%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.466%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31,<br/>2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Restricted cash</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Investors' interests held by third-party investors</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,925 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,600 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Investors' interests held by wholly-owned subsidiaries of Discover Bank</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,971 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,121 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Seller's interest</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,640 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,575 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan receivables</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,536 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,296 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses allocated to securitized loan receivables</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,436)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,936)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loan receivables</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,100 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,360 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Carrying value of assets of consolidated variable interest entities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,126 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,379 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The Company maintains its allowance for credit losses at an amount equal to lifetime expected credit losses associated with all loan receivables, which includes all loan receivables in the trusts. Therefore, the credit risk associated with the transferred receivables is fully reflected on the Company's statements of financial condition in accordance with GAAP.</span></div> 23000000 16000000 8925000000 10600000000 3971000000 6121000000 11640000000 10575000000 24536000000 27296000000 1436000000 1936000000 23100000000 25360000000 3000000 3000000 23126000000 25379000000 <span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The carrying values of these restricted assets, which are presented on the Company's condensed consolidated statements of financial condition as relating to securitization activities, are shown in the following table (dollars in millions): </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%"><tr><td style="width:1.0%"/><td style="width:76.396%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.779%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.780%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31,<br/>2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Restricted cash</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loan receivables</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">215 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Carrying value of assets of consolidated variable interest entities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">224 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">259 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table> 9000000 9000000 215000000 250000000 224000000 259000000 Intangible Assets<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the second quarter of 2020, the Company conducted an interim impairment test on its non-amortizable intangible assets, both the Diners Club trade names and international transaction processing rights, due to changes in the international travel and entertainment businesses and a declining revenue outlook for the foreseeable future resulting from the COVID-19 pandemic. The valuation methodology used to value the trade names and international transaction processing rights was based on a discounted cash flow method, consistent with the methods used for annual impairment testing. As a result of this analysis, the Company determined that the trade names and international transaction processing rights were impaired and recognized charges, in the second quarter of 2020, in its Payment Services segment of $36 million and $23 million, respectively. The impairments were recorded in other expense.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the second quarter of 2021, global travel and entertainment spending continued to trend lower than pre-pandemic levels. As a result, the Company re-evaluated that impact on the value of the Diners Club trade names by conducting an interim impairment test on the asset in conjunction with the preparation of the financial statements. The valuation methodology used to value the trade names was based on a discounted cash flow method, consistent with the methods used for annual impairment testing. As a result of this analysis, the Company determined that the trade names were fully impaired and recognized a charge, in the second quarter of 2021, in its Payment Services segment of $92 million. The impairment was recorded in other expense.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At September 30, 2021, the trade names and the international transaction processing rights have no remaining net book value.</span></div> 36000000 36000000 23000000 23000000 92000000 92000000 0 0 Deposits<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company offers its deposit products to customers through two channels: (i) through direct marketing, internet origination and affinity relationships ("direct-to-consumer deposits"); and (ii) indirectly through contractual arrangements with securities brokerage firms ("brokered deposits"). Direct-to-consumer deposits include online savings accounts, certificates of deposit, money market accounts, IRA savings accounts, IRA certificates of deposit and checking/debit accounts. Brokered deposits include certificates of deposit and sweep accounts.</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides a summary of interest-bearing deposit accounts (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%"><tr><td style="width:1.0%"/><td style="width:76.396%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.779%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.780%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31,<br/>2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certificates of deposit in amounts less than $100,000</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,592 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,105 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certificates of deposit in amounts $100,000 or greater</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,239 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,164 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Savings deposits, including money market deposit accounts</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,295 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,426 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest-bearing deposits</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71,126 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,695 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Includes $2.0 billion and $2.6 billion in certificates of deposit equal to or greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of September 30, 2021 and December 31, 2020, respectively.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes certificates of deposit in amounts of $100,000 or greater by contractual maturity (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:88.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three months or less</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,458 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Over three months through six months</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,640 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Over six months through twelve months</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,711 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Over twelve months</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,430 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,239 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes certificates of deposit maturing over the remainder of this year, over each of the next four years and thereafter (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:88.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,171 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,133 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,663 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,451 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">870 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,543 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,831 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div> 2 <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides a summary of interest-bearing deposit accounts (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%"><tr><td style="width:1.0%"/><td style="width:76.396%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.779%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.780%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31,<br/>2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certificates of deposit in amounts less than $100,000</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,592 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,105 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certificates of deposit in amounts $100,000 or greater</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,239 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,164 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Savings deposits, including money market deposit accounts</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,295 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,426 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest-bearing deposits</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71,126 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,695 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Includes $2.0 billion and $2.6 billion in certificates of deposit equal to or greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of September 30, 2021 and December 31, 2020, respectively.</span></div> 14592000000 19105000000 7239000000 9164000000 49295000000 47426000000 71126000000 75695000000 2000000000 2600000000 <span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes certificates of deposit in amounts of $100,000 or greater by contractual maturity (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:88.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three months or less</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,458 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Over three months through six months</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,640 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Over six months through twelve months</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,711 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Over twelve months</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,430 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,239 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table> 1458000000 1640000000 2711000000 1430000000 7239000000 <span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes certificates of deposit maturing over the remainder of this year, over each of the next four years and thereafter (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:88.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30,<br/>2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,171 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,133 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,663 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,451 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">870 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,543 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,831 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table> 4171000000 11133000000 2663000000 1451000000 870000000 1543000000 21831000000 Long-Term Borrowings<div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Long-term borrowings consist of borrowings having original maturities of one year or more. The following table provides a summary of the Company's long-term borrowings and weighted-average interest rates on outstanding balances (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%"><tr><td style="width:1.0%"/><td style="width:41.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.817%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Maturity</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest<br/>Rate</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted-Average Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Outstanding Amount</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Outstanding Amount</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Securitized Debt</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-rate asset-backed securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022-2026</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.58% - 3.04%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.01%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,607 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,041 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Floating-rate asset-backed securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022-2024</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.41% - 0.68%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.54%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,347 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,669 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Discover Card Master Trust I and Discover Card Execution Note Trust</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,954 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,710 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Floating-rate asset-backed security</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2031</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.25%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.25%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total private student loan securitization trust</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total long-term borrowings - owed to securitization investors</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,064 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,840 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Discover Financial Services (Parent Company)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-rate senior notes</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022-2027</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.75% - 5.20%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.16%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,370 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,337 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-rate retail notes</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022-2031</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.85% - 4.40%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.75%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">166 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">336 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Discover Bank</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-rate senior bank notes</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023-2030</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.45% - 4.65%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.63%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,406 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,213 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-rate subordinated bank notes</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.68%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.68%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">510 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">515 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total long-term borrowings</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,516 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,241 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The Company uses interest rate swaps to hedge portions of these long-term borrowings against changes in fair value attributable to changes in the London Interbank Offered Rate ("LIBOR") or Overnight Index Swap ("OIS") Rate. The use of these interest rate swaps impacts the carrying value of the debt. See Note 16: Derivatives and Hedging Activities. </span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">DCENT floating-rate asset-backed securities include issuances with the following interest rate terms: 1-month LIBOR + 33 to 60 basis points as of September 30, 2021.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The private student loan securitization trust floating-rate asset-backed security includes an issuance with the following interest rate term: Prime rate + 100 basis points as of September 30, 2021.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Repayment of this debt depends on the timing of principal and interest payments on the underlying private student loans. The date shown represents the final maturity date.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes long-term borrowings maturing over the remainder of this year, over each of the next four years and thereafter (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:88.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,188 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,324 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,738 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">529 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,737 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,516 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has access to committed borrowing capacity through private securitizations to support the funding of its credit card loan receivables. As of September 30, 2021, the total commitment of secured credit facilities through private providers was $4.0 billion, none of which was drawn as of September 30, 2021. Access to the unused portions of the secured credit facilities is subject to the terms of the agreements with each of the providers. The secured credit facilities have various expirations in 2023. Borrowings outstanding under each facility bear interest at a margin above LIBOR or the asset-backed commercial paper costs of each provider. The terms of each agreement provide for a commitment fee to be paid on the unused capacity and include various affirmative and negative covenants, including performance metrics and legal requirements similar to those required to issue any term securitization transaction.</span></div> <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Long-term borrowings consist of borrowings having original maturities of one year or more. The following table provides a summary of the Company's long-term borrowings and weighted-average interest rates on outstanding balances (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%"><tr><td style="width:1.0%"/><td style="width:41.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.817%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Maturity</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest<br/>Rate</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted-Average Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Outstanding Amount</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Outstanding Amount</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Securitized Debt</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-rate asset-backed securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022-2026</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.58% - 3.04%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.01%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,607 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,041 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Floating-rate asset-backed securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022-2024</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.41% - 0.68%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.54%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,347 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,669 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Discover Card Master Trust I and Discover Card Execution Note Trust</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,954 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,710 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Floating-rate asset-backed security</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2031</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.25%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.25%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total private student loan securitization trust</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total long-term borrowings - owed to securitization investors</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,064 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,840 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Discover Financial Services (Parent Company)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-rate senior notes</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022-2027</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.75% - 5.20%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.16%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,370 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,337 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-rate retail notes</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022-2031</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.85% - 4.40%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.75%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">166 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">336 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Discover Bank</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-rate senior bank notes</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023-2030</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.45% - 4.65%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.63%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,406 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,213 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-rate subordinated bank notes</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.68%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.68%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">510 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">515 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total long-term borrowings</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,516 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,241 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The Company uses interest rate swaps to hedge portions of these long-term borrowings against changes in fair value attributable to changes in the London Interbank Offered Rate ("LIBOR") or Overnight Index Swap ("OIS") Rate. The use of these interest rate swaps impacts the carrying value of the debt. See Note 16: Derivatives and Hedging Activities. </span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">DCENT floating-rate asset-backed securities include issuances with the following interest rate terms: 1-month LIBOR + 33 to 60 basis points as of September 30, 2021.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The private student loan securitization trust floating-rate asset-backed security includes an issuance with the following interest rate term: Prime rate + 100 basis points as of September 30, 2021.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Repayment of this debt depends on the timing of principal and interest payments on the underlying private student loans. The date shown represents the final maturity date.</span></div> 0.0058 0.0304 0.0201 5607000000 6041000000 0.0041 0.0068 0.0054 3347000000 4669000000 8954000000 10710000000 0.0425 0.0425 0.0425 110000000 130000000 110000000 130000000 9064000000 10840000000 0.0375 0.0520 0.0416 3370000000 3337000000 0.0285 0.0440 0.0375 166000000 336000000 0.0245 0.0465 0.0363 5406000000 6213000000 0.0468 0.0468 0.0468 510000000 515000000 18516000000 21241000000 1-month LIBOR + 33 to 60 basis points Prime rate + 100 basis points <span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes long-term borrowings maturing over the remainder of this year, over each of the next four years and thereafter (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:88.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,188 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,324 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,738 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">529 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,737 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,516 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table> 0 5188000000 3324000000 3738000000 529000000 5737000000 18516000000 4000000000 0 Preferred Stock<div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below presents a summary of the Company's non-cumulative perpetual preferred stock that is outstanding at September 30, 2021 (dollars in millions, except per depositary share amounts):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:5.745%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.733%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.833%"/><td style="width:0.1%"/></tr><tr style="height:39pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Series</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Description</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Initial Issuance Date</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liquidation Preference and Redemption Price per Depositary Share</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Per Annum Dividend Rate in effect at September 30, 2021</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Depositary Shares Authorized, Issued and Outstanding</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Value</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">C</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)(3)(4)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-to-Floating Rate</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10/31/2017</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,000 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.500 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">570,000 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">570,000 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">563 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">563 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">D</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)(5)(6)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-Rate Reset</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6/22/2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,000 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.125 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">500,000 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">500,000 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">493 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">493 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="27" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Preferred Stock</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,070,000 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,070,000 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,056 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,056 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Redeemable at the redemption price plus declared and unpaid dividends.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Issued as depositary shares, each representing 1/100</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">th</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> interest in a share of the corresponding series of preferred stock. Each preferred share has a par value of $0.01.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part on any dividend payment date on or after October 30, 2027, or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series C preferred stock).</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Any dividends declared are payable semi-annually in arrears at a rate of 5.50% per annum until October 30, 2027. Thereafter, dividends declared will be payable quarterly in arrears at a floating rate equal to 3-month LIBOR plus a spread of 3.076% per annum.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part during the three-month period prior to, and including, each reset date (as defined in the certificate of designations for the Series D preferred stock) or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series D Preferred Stock).</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Any dividends declared are payable semi-annually in arrears at a rate of 6.125% per annum until September 23, 2025, after which the dividend rate will reset every five years to a fixed annual rate equal to the 5-year Treasury plus a spread of 5.783%.</span></div> <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below presents a summary of the Company's non-cumulative perpetual preferred stock that is outstanding at September 30, 2021 (dollars in millions, except per depositary share amounts):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:5.745%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.733%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.833%"/><td style="width:0.1%"/></tr><tr style="height:39pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Series</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Description</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Initial Issuance Date</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liquidation Preference and Redemption Price per Depositary Share</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Per Annum Dividend Rate in effect at September 30, 2021</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Depositary Shares Authorized, Issued and Outstanding</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Value</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">C</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)(3)(4)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-to-Floating Rate</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10/31/2017</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,000 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.500 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">570,000 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">570,000 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">563 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">563 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">D</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)(5)(6)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed-Rate Reset</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6/22/2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,000 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.125 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">500,000 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">500,000 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">493 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">493 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="27" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Preferred Stock</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,070,000 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,070,000 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,056 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,056 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Redeemable at the redemption price plus declared and unpaid dividends.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Issued as depositary shares, each representing 1/100</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">th</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> interest in a share of the corresponding series of preferred stock. Each preferred share has a par value of $0.01.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part on any dividend payment date on or after October 30, 2027, or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series C preferred stock).</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Any dividends declared are payable semi-annually in arrears at a rate of 5.50% per annum until October 30, 2027. Thereafter, dividends declared will be payable quarterly in arrears at a floating rate equal to 3-month LIBOR plus a spread of 3.076% per annum.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part during the three-month period prior to, and including, each reset date (as defined in the certificate of designations for the Series D preferred stock) or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series D Preferred Stock).</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Any dividends declared are payable semi-annually in arrears at a rate of 6.125% per annum until September 23, 2025, after which the dividend rate will reset every five years to a fixed annual rate equal to the 5-year Treasury plus a spread of 5.783%.</span></div> 2017-10-31 1000 1000 0.05500 570000 570000 563000000 563000000 2020-06-22 1000 1000 0.06125 500000 500000 493000000 493000000 1070000 1070000 1056000000 1056000000 100 100 0.01 0.01 2027-10-30 P90D 0.0550 2027-10-30 3-month LIBOR 0.03076 P90D 0.06125 P5Y 5-year Treasury 0.05783 Accumulated Other Comprehensive Income<span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Changes in each component of accumulated other comprehensive income ("AOCI") were as follows (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:53.079%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized Gains on Available-for-Sale Investment Securities, Net of Tax</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Losses on Cash Flow Hedges, Net of Tax</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Losses on Pension Plan, Net of Tax</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">AOCI</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at June 30, 2021</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2021</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at June 30, 2020</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(214)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2020</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(214)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at December 31, 2020</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">284 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(115)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(113)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2021</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at December 31, 2019</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(214)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(119)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">212 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2020</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(214)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents each component of other comprehensive income ("OCI") before reclassifications and amounts reclassified from AOCI for each component of OCI before- and after-tax (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:66.511%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.198%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.198%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.201%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Before Tax</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Tax Benefit (Expense)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net of Tax</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized holding losses arising during the period</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash Flow Hedges</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized gains arising during the period</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from AOCI</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized holding losses arising during the period</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash Flow Hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from AOCI</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized holding losses arising during the period</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(152)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(115)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(152)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(115)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash Flow Hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized gains arising during the period</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from AOCI</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2020</span></td><td colspan="15" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized holding gains arising during the period</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">275 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">275 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash Flow Hedges</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized losses arising during the period</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from AOCI</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table> <span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Changes in each component of accumulated other comprehensive income ("AOCI") were as follows (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:53.079%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized Gains on Available-for-Sale Investment Securities, Net of Tax</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Losses on Cash Flow Hedges, Net of Tax</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Losses on Pension Plan, Net of Tax</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">AOCI</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at June 30, 2021</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2021</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at June 30, 2020</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(214)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2020</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(214)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at December 31, 2020</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">284 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(115)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(113)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2021</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at December 31, 2019</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(214)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(119)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">212 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance at September 30, 2020</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(214)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table> 198000000 -10000000 -227000000 -39000000 -29000000 0 0 -29000000 169000000 -10000000 -227000000 -68000000 352000000 -16000000 -214000000 122000000 -32000000 3000000 0 -29000000 320000000 -13000000 -214000000 93000000 284000000 -12000000 -227000000 45000000 -115000000 2000000 0 -113000000 169000000 -10000000 -227000000 -68000000 112000000 -17000000 -214000000 -119000000 208000000 4000000 0 212000000 320000000 -13000000 -214000000 93000000 <span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents each component of other comprehensive income ("OCI") before reclassifications and amounts reclassified from AOCI for each component of OCI before- and after-tax (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:66.511%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.198%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.198%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.201%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Before Tax</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Tax Benefit (Expense)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net of Tax</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized holding losses arising during the period</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash Flow Hedges</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized gains arising during the period</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from AOCI</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized holding losses arising during the period</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash Flow Hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from AOCI</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized holding losses arising during the period</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(152)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(115)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(152)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(115)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash Flow Hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized gains arising during the period</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from AOCI</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2020</span></td><td colspan="15" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Available-for-Sale Investment Securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized holding gains arising during the period</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">275 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">275 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash Flow Hedges</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized losses arising during the period</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from AOCI</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net change</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table> -38000000 -9000000 -29000000 -38000000 -9000000 -29000000 0 -1000000 1000000 0 -1000000 1000000 0 0 0 -42000000 -10000000 -32000000 -42000000 -10000000 -32000000 -4000000 -1000000 -3000000 4000000 1000000 3000000 -152000000 -37000000 -115000000 -152000000 -37000000 -115000000 0 -1000000 1000000 -2000000 -1000000 -1000000 2000000 0 2000000 275000000 67000000 208000000 275000000 67000000 208000000 -7000000 -3000000 -4000000 -11000000 -3000000 -8000000 4000000 0 4000000 Income Taxes<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the calculation of the Company's effective income tax rate (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:60.953%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.572%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.831%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before income taxes</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,402 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">959 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,703 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">420 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax expense</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,321 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effective income tax rate</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23.2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income tax expense increased $123 million and $1.2 billion for the three and nine months ended September 30, 2021, respectively, as compared to the same periods in 2020. The increase in income tax expense was primarily driven by an increase in pretax income. The effective tax rate increased for the three and nine months ended September 30, 2021, respectively, as compared to the same periods in 2020, primarily due to tax credits having a lower rate benefit on higher pretax income.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is subject to examination by the Internal Revenue Service ("IRS") and tax authorities in various state, local and foreign tax jurisdictions. The IRS is examining the Company's 2018 federal income tax filings. The Company regularly assesses the likelihood of additional assessments or settlements in each of the taxing jurisdictions. At this time, the potential change in unrecognized tax benefits is expected to be immaterial over the next 12 months. The Company believes that its reserves are sufficient to cover any tax, penalties and interest that would result from such examinations.</span></div> <span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the calculation of the Company's effective income tax rate (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:60.953%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.572%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.084%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.831%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before income taxes</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,402 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">959 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,703 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">420 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax expense</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,321 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effective income tax rate</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23.2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table> 1402000000 959000000 5703000000 420000000 311000000 188000000 1321000000 78000000 0.222 0.196 0.232 0.186 123000000 1200000000 Earnings Per Share<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the calculation of basic and diluted earnings per share ("EPS") (dollars and shares in millions, except per share amounts):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:53.215%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Numerator</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,091 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">771 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,382 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">342 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(69)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income available to common stockholders</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,061 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">756 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,313 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income allocated to participating securities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income allocated to common stockholders</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,055 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">751 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,289 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">309 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Denominator</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted-average shares of common stock outstanding</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">298 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">306 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">303 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effect of dilutive common stock equivalents</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted-average shares of common stock outstanding and common stock equivalents</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">298 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">306 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">303 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Basic earnings per common share</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.54 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.45 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.17 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.00 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Diluted earnings per common share</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.54 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.45 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.16 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.00 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Anti-dilutive securities were not material and had no impact on the computation of diluted EPS for the three or nine months ended September 30, 2021 and 2020.</span></div> <span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the calculation of basic and diluted earnings per share ("EPS") (dollars and shares in millions, except per share amounts):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:53.215%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Numerator</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,091 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">771 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,382 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">342 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(69)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income available to common stockholders</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,061 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">756 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,313 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income allocated to participating securities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income allocated to common stockholders</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,055 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">751 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,289 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">309 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Denominator</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted-average shares of common stock outstanding</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">298 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">306 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">303 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effect of dilutive common stock equivalents</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted-average shares of common stock outstanding and common stock equivalents</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">298 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">306 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">303 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Basic earnings per common share</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.54 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.45 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.17 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.00 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Diluted earnings per common share</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.54 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.45 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.16 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.00 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table> 1091000000 771000000 4382000000 342000000 30000000 15000000 69000000 31000000 1061000000 756000000 4313000000 311000000 6000000 5000000 24000000 2000000 1055000000 1055000000 751000000 751000000 4289000000 4289000000 309000000 309000000 298000000 306000000 303000000 307000000 0 0 0 0 298000000 306000000 303000000 307000000 3.54 2.45 14.17 1.00 3.54 2.45 14.16 1.00 Capital Adequacy<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">DFS is subject to the capital adequacy guidelines of the Federal Reserve. Discover Bank, the Company's banking subsidiary, is subject to various regulatory capital requirements as administered by the FDIC. Failure to meet minimum capital requirements can result in the initiation of certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could limit the Company's business activities and have a direct material effect on the financial condition and operating results of DFS and Discover Bank. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, DFS and Discover Bank must meet specific risk-based capital requirements and leverage ratios that involve quantitative measures of assets, liabilities and certain off-balance sheet items, as calculated under regulatory guidelines. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">DFS and Discover Bank are subject to regulatory and capital rules issued by the Federal Reserve and FDIC, respectively, under the Basel Committee's December 2010 framework ("Basel III rules"). Under the Basel III rules, DFS and Discover Bank are classified as "standardized approach" entities. Standardized approach entities are defined as United States banking organizations with consolidated total assets over $50 billion but not exceeding $250 billion and consolidated total on-balance sheet foreign exposures less than $10 billion.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 27, 2020, federal bank regulatory agencies announced an interim and now final rule that allows banks that have implemented the CECL accounting model to delay the estimated impact of CECL on regulatory capital for two years, followed by a three-year transition period. For purposes of calculating regulatory capital, the Company has elected to defer recognition of the estimated impact of CECL on regulatory capital for two years in accordance with the final rule; after that period of deferral, the estimated impact of CECL on regulatory capital will be phased in over three years beginning in 2022. Accordingly, the Company's Common Equity Tier 1 ("CET1") capital ratios in 2020 and 2021 are higher than they otherwise would have been.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of September 30, 2021 and December 31, 2020, DFS and Discover Bank met all Basel III minimum capital ratio requirements to which they were subject. DFS and Discover Bank also met the requirements to be considered "well-capitalized" under Regulation Y and prompt corrective action rules, respectively. There have been no conditions or events that management believes have changed DFS' or Discover Bank's category. To be categorized as "well-capitalized," DFS and Discover Bank must maintain minimum capital ratios outlined in the table below.</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table shows the actual capital amounts and ratios of DFS and Discover Bank and comparisons of each to the regulatory minimum and "well-capitalized" requirements (dollars in millions):<br/></span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.404%"><tr><td style="width:1.0%"/><td style="width:29.588%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.832%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Actual</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Minimum Capital<br/>Requirements</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capital Requirements<br/>To Be Classified as<br/>Well-Capitalized</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ratio</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ratio</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total capital (to risk-weighted assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,924 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,309 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥8.0%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,136 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥10.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,905 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,186 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥8.0%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,982 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥10.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Tier 1 capital (to risk-weighted assets)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,235 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16.7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,482 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.0%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,482 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,935 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,389 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.0%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,186 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥8.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Tier 1 capital (to average assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,235 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,424 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.0%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,935 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,353 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.0%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,441 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥5.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Common Equity Tier 1 (to risk-weighted assets)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,179 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,111 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.5%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,935 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,042 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.5%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,839 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.5%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">December 31, 2020</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total capital (to risk-weighted assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,711 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16.1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,298 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥8.0%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,123 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥10.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,507 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16.1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,214 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥8.0%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,018 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥10.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Tier 1 capital (to risk-weighted assets)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,006 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,474 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.0%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,474 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,415 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,411 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.0%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,214 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥8.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Tier 1 capital (to average assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,006 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,757 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.0%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,415 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,709 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.0%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,886 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥5.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Common Equity Tier 1 (to risk-weighted assets)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,950 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,105 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.5%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,415 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,058 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.5%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,862 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.5%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">    </span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Capital ratios are calculated based on the Basel III standardized approach rules, subject to applicable transition provisions, including CECL transition provisions.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The Basel III rules do not establish well-capitalized thresholds for these measures for bank holding companies. Existing well-capitalized thresholds established in the Federal Reserve's Regulation Y have been included where available.</span></div> <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table shows the actual capital amounts and ratios of DFS and Discover Bank and comparisons of each to the regulatory minimum and "well-capitalized" requirements (dollars in millions):<br/></span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.404%"><tr><td style="width:1.0%"/><td style="width:29.588%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.828%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.832%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Actual</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Minimum Capital<br/>Requirements</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capital Requirements<br/>To Be Classified as<br/>Well-Capitalized</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ratio</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ratio</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total capital (to risk-weighted assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,924 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,309 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥8.0%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,136 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥10.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,905 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,186 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥8.0%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,982 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥10.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Tier 1 capital (to risk-weighted assets)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,235 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16.7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,482 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.0%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,482 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,935 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,389 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.0%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,186 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥8.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Tier 1 capital (to average assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,235 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,424 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.0%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,935 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,353 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.0%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,441 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥5.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Common Equity Tier 1 (to risk-weighted assets)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,179 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,111 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.5%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,935 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,042 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.5%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,839 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.5%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">December 31, 2020</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total capital (to risk-weighted assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,711 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16.1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,298 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥8.0%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,123 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥10.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,507 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16.1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,214 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥8.0%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,018 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥10.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Tier 1 capital (to risk-weighted assets)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,006 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,474 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.0%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,474 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,415 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,411 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.0%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,214 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥8.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Tier 1 capital (to average assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,006 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,757 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.0%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,415 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,709 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.0%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,886 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥5.0%</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Common Equity Tier 1 (to risk-weighted assets)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Financial Services</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,950 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,105 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.5%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N/A</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discover Bank</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,415 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,058 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥4.5%</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,862 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">≥6.5%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">    </span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Capital ratios are calculated based on the Basel III standardized approach rules, subject to applicable transition provisions, including CECL transition provisions.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The Basel III rules do not establish well-capitalized thresholds for these measures for bank holding companies. Existing well-capitalized thresholds established in the Federal Reserve's Regulation Y have been included where available.</span></div> 16924000000 0.185 7309000000 0.080 9136000000 0.100 15905000000 0.177 7186000000 0.080 8982000000 0.100 15235000000 0.167 5482000000 0.060 5482000000 0.060 13935000000 0.155 5389000000 0.060 7186000000 0.080 15235000000 0.138 4424000000 0.040 13935000000 0.128 4353000000 0.040 5441000000 0.050 14179000000 0.155 4111000000 0.045 13935000000 0.155 4042000000 0.045 5839000000 0.065 14711000000 0.161 7298000000 0.080 9123000000 0.100 14507000000 0.161 7214000000 0.080 9018000000 0.100 13006000000 0.143 5474000000 0.060 5474000000 0.060 12415000000 0.138 5411000000 0.060 7214000000 0.080 13006000000 0.109 4757000000 0.040 12415000000 0.105 4709000000 0.040 5886000000 0.050 11950000000 0.131 4105000000 0.045 12415000000 0.138 4058000000 0.045 5862000000 0.065 Commitments, Contingencies and Guarantees<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the normal course of business, the Company enters into a number of off-balance sheet commitments, transactions and obligations under guarantee arrangements that expose the Company to varying degrees of risk. The Company's commitments, contingencies and guarantee relationships are described below.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Commitments</span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Unused Credit Arrangements</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At September 30, 2021, the Company had unused credit arrangements for loans of approximately $220.1 billion. Such arrangements arise primarily from agreements with customers for unused lines of credit on certain credit cards and certain other loan products, provided there is no violation of conditions in the related agreements. The Company can terminate substantially all of these arrangements at any time and therefore the arrangements do not necessarily represent future cash requirements. The arrangements are periodically reviewed based on account usage, customer creditworthiness and loan qualification. As the Company’s credit card loans are unconditionally cancellable, no liability for expected credit losses is required for unused lines of credit. For all other loans, the Company records a liability for expected credit losses for unfunded </span></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">commitments, which is presented as part of accrued expenses and other liabilities in the consolidated statements of financial condition.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Contingencies</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 14: Litigation and Regulatory Matters for a description of potential liability arising from pending litigation or regulatory proceedings involving the Company.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Guarantees</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has obligations under certain guarantee arrangements, including contracts, indemnification agreements and representations and warranties, which contingently require the Company to make payments to the guaranteed party based on changes in an underlying asset, liability or equity security of a guaranteed party, rate or index. Also included as guarantees are contracts that contingently require the Company to make payments to a guaranteed party based on another entity's failure to perform under an agreement. The Company's use of guarantees is disclosed below by type of guarantee.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Securitizations Representations and Warranties</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As part of the Company's financing activities, the Company provides representations and warranties that certain assets pledged as collateral in secured borrowing arrangements conform to specified guidelines. The Company performs due diligence intended to ensure that asset guideline qualifications are met. If the assets pledged as collateral do not meet certain conforming guidelines, the Company might be required to replace, repurchase or sell such assets. For example, in its credit card securitization activities, the Company would replace nonconforming receivables by allocating excess seller's interest or from additional transfers from the unrestricted pool of receivables. If the Company could not add enough receivables to satisfy the requirement, an early amortization (or repayment) of investors' interests would be triggered. In its private student loan securitizations, the Company would generally repurchase the loans from the trust at the outstanding principal amount plus interest.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The maximum potential amount of future payments the Company could be required to make would be equal to the current outstanding balances of third-party investor interests in credit card asset-backed securities and the principal amount of any private student loan secured borrowings, plus any unpaid interest for the corresponding secured borrowings. The Company has recorded substantially all of the maximum potential amount of future payments in long-term borrowings on the Company's condensed consolidated statements of financial condition. The Company has not recorded any incremental contingent liability associated with its secured borrowing representations and warranties. Management believes that the probability of having to replace, repurchase or sell assets pledged as collateral under secured borrowing arrangements, including an early amortization event, is low.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Counterparty Settlement Guarantees</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Diners Club and DFS Services LLC (on behalf of PULSE) have various counterparty exposures, which are listed below:</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Merchant Guarantee</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. Diners Club has entered into contractual relationships with certain international merchants, which generally include travel-related businesses, for the benefit of all Diners Club licensees. The licensees hold the primary liability to settle the transactions of their customers with these merchants. However, Diners Club retains a counterparty exposure if a licensee fails to meet its financial payment obligation to one of these merchants.</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">ATM Guarantee.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> PULSE entered into contractual relationships with certain international ATM acquirers in which DFS Services LLC retains counterparty exposure if an issuer fails to fulfill its settlement obligation.</span></div><div style="margin-bottom:10pt;margin-top:6pt;padding-left:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Global Network Alliance Guarantee</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. Discover Network, Diners Club and PULSE have entered into contractual relationships with certain international payment networks in which DFS Services LLC retains the counterparty exposure if a network fails to fulfill its settlement obligation.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The maximum potential amount of future payments related to such contingent obligations depends on the transaction volume processed between the time a potential counterparty defaults on its settlement and the time the Company disables the settlement of any further transactions for the defaulting party. The Company has some contractual remedies to offset these counterparty settlement exposures (such as letters of credit or pledged deposits). However, there is no limitation on the maximum amount the Company may be liable to pay. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The actual amount of the potential exposure cannot be quantified as the Company cannot determine whether particular counterparties will fail to meet their settlement obligations. If all licensees and/or issuers were to become unable to settle their transactions, the Company estimates its maximum potential counterparty exposures to these settlement guarantees would be approximately $80 million as of September 30, 2021.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company believes that the estimated amounts of maximum potential future payments are not representative of the Company's actual potential loss exposure given Diners Club's and PULSE's insignificant historical losses from these counterparty exposures. As of September 30, 2021, the Company had not recorded any contingent liability in the condensed consolidated financial statements for these counterparty exposures. Management believes that the probability of any payments under these arrangements is low.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Discover Network Merchant Chargeback Guarantees</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company operates the Discover Network, issues payment cards and permits third parties to issue payment cards. The Company is contingently liable for certain transactions processed on the Discover Network in the event of a dispute between the payment card customer and a merchant. The contingent liability arises if the disputed transaction involves a merchant or merchant acquirer with whom the Discover Network has a direct relationship. If a dispute is resolved in the customer's favor, the Discover Network will credit or refund the disputed amount to the Discover Network card issuer, which in turn credits its customer's account. The Discover Network will then charge back the disputed amount of the payment card transaction to the merchant or merchant acquirer, where permitted by the applicable agreement, to seek recovery of amounts already paid to the merchant for payment card transactions. If the Discover Network is unable to collect the amount subject to dispute from the merchant or merchant acquirer (e.g., in the event of merchant default or dissolution or after expiration of the period for chargebacks in the applicable agreement), the Discover Network will bear the loss for the amount credited or refunded to the customer. In most instances, a loss by the Discover Network is unlikely to arise in connection with payments on card transactions because most products or services are delivered when purchased and merchants issue credits on returned items in a timely fashion, thus minimizing the likelihood of cardholder disputes with respect to amounts paid by the Discover Network. However, where the product or service is not scheduled to be provided to the customer until a later date following the purchase, the likelihood of a contingent payment obligation by the Discover Network increases.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Losses related to merchant chargebacks were not material for the three and nine months ended September 30, 2021 and 2020.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The maximum potential amount of obligations of the Discover Network arising from such contingent obligations is estimated to be the portion of the total Discover Network transaction volume processed to date for which timely and valid disputes may be raised under applicable law and relevant issuer and customer agreements. There is no limitation on the maximum amount the Company may be liable to pay to issuers. However, the Company believes that such amount is not representative of the Company's actual potential loss exposure based on the Company's historical experience. The actual amount of the potential exposure cannot be quantified as the Company cannot determine whether the current or cumulative transaction volumes may include or result in disputed transactions.</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes certain information regarding merchant chargeback guarantees (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:53.215%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Aggregate sales transaction volume</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58,107 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,128 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160,717 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">125,214 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Represents transactions processed on the Discover Network for which a potential liability exists that, in aggregate, can differ from credit card sales volume.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company did not record any material contingent liability in the condensed consolidated financial statements for merchant chargeback guarantees as of September 30, 2021 or December 31, 2020.The Company mitigates the risk of potential loss exposure by withholding settlement from merchants, obtaining third-party guarantees, or obtaining escrow deposits or letters of credit from certain merchant acquirers or merchants that are considered a higher risk due to various factors such as time delays in the delivery of products or services. As of September 30, 2021 and December 31, 2020, the Company had escrow deposits and settlement withholdings of $15 million and $16 million, respectively, which are recorded in interest-bearing deposit accounts and accrued expenses and other liabilities on the Company's condensed consolidated statements of financial condition.</span></div> 220100000000 80000000 0 <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes certain information regarding merchant chargeback guarantees (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:53.215%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Aggregate sales transaction volume</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58,107 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,128 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160,717 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">125,214 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Represents transactions processed on the Discover Network for which a potential liability exists that, in aggregate, can differ from credit card sales volume.</span></div> 58107000000 46128000000 160717000000 125214000000 15000000 16000000 Litigation and Regulatory Matters<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the normal course of business, from time to time, the Company has been named as a defendant in various legal actions, including arbitrations, class actions and other litigation, arising in connection with its activities. Certain of the actual or threatened legal actions include claims for substantial compensatory and/or punitive damages or claims for indeterminate amounts of damages. The litigation process is not predictable and can lead to unexpected results. The Company contests liability and/or the amount of damages as appropriate in each pending matter.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has historically offered its customers an arbitration clause in its customer agreements. The arbitration clause allows the Company and its customers to quickly and economically resolve disputes. Additionally, the arbitration clause has in some instances limited the costs of, and the Company's exposure to, litigation. Future legal and regulatory challenges and prohibitions may cause the Company to discontinue its offering and use of such clauses. From time to time, the Company is involved in legal actions challenging its arbitration clause. Bills may be periodically introduced in Congress to directly or indirectly prohibit the use of pre-dispute arbitration clauses. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is also involved, from time to time, in other reviews, investigations and proceedings (both formal and informal) by governmental agencies regarding the Company's business including, among other matters, consumer regulatory, accounting, tax and other operational matters. The investigations and proceedings may result in significant adverse judgments, settlements, fines, penalties, injunctions, decreases in regulatory ratings, customer restitution or other relief. These outcomes could materially impact the Company's condensed consolidated financial statements, increase its cost of operations, or limit the Company's ability to execute its business strategies and engage in certain business activities. Certain subsidiaries of the Company are subject to a consent order with the Consumer Financial Protection Bureau ("CFPB") regarding certain private student loan servicing practices, as described below. Pursuant to powers granted under federal banking laws, regulatory agencies have broad and sweeping discretion and may assess civil money penalties, require changes to certain business practices or require customer restitution at any time.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with applicable accounting guidance, the Company establishes an accrued liability for legal and regulatory matters when those matters present loss contingencies that are both probable and estimable.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Litigation and regulatory settlement-related expenses were $51 million and $54 million for the three and nine months ended September 30, 2021, respectively. Litigation and regulatory settlement-related expenses were immaterial for the three and nine months ended September 30, 2020.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There may be an exposure to loss in excess of any amounts accrued. The Company believes the estimate of the aggregate range of reasonably possible losses (meaning the likelihood of losses is more than remote but less than likely), in excess of the amounts that the Company has accrued for legal and regulatory proceedings, is up to $250 million as of September 30, 2021. This estimated range of reasonably possible losses is based on currently available information for those proceedings in which the Company is involved and considers the Company's best estimate of such losses for those matters for which an estimate can be made. It does not represent the Company's maximum potential loss exposure. Various aspects of the proceedings underlying the estimated range will change from time to time and actual results may vary significantly from the estimate.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company's estimated range noted above involves significant judgment, given the varying stages of the proceedings, the existence of numerous yet to be resolved issues, the breadth of the claims (often spanning multiple years and, in some cases, a wide range of business activities), unspecified damages and/or the novelty of the legal issues presented. The outcome of pending matters could adversely affect the Company's reputation and be material to the Company's condensed consolidated financial condition, operating results and cash flows for a particular future period, depending on, among other things, the level of the Company's income for such period.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In July 2015, the Company announced that its subsidiaries, Discover Bank, The Student Loan Corporation and Discover Products Inc. (the "Discover Subsidiaries"), agreed to a consent order with the CFPB with respect to certain private student loan servicing practices (the “2015 Order”). The 2015 Order expired in July 2020. On December 22, 2020, the Discover Subsidiaries agreed to a consent order (the “2020 Order”) with the CFPB resolving the agency’s investigation into Discover Bank’s compliance with the 2015 Order. In connection with the 2020 Order, Discover is required to implement a redress and compliance plan and must pay at least $10 million in consumer redress to consumers who may have been harmed and paid a $25 million civil money penalty to the CFPB.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 8, 2016, a class-action lawsuit was filed against the Company, other credit card networks, other issuing banks and EMVCo in the United States District Court for the Northern District of California (B&amp;R Supermarket, Inc., d/b/a </span></div>Milam's Market, et al. v. Visa, Inc. et al.) alleging a conspiracy by defendants to shift fraud liability to merchants with the migration to the EMV security standard and chip technology. The plaintiffs assert joint and several liability among the defendants and seek unspecified damages, including treble damages, attorneys' fees, costs and injunctive relief. In May 2017, the Court entered an order transferring the entire action to a federal court in New York that is presiding over certain related claims that are pending in the actions consolidated as MDL 1720. On August 28, 2020, the Court granted the plaintiffs' Motion to Certify a Class. The defendants appealed the ruling, which was denied on January 20, 2021. The Company filed a Motion to Compel Arbitration, on which briefing closed in March 2021. On September 27, 2021, the court ruled the motion was premature and stated it would not issue a ruling until after the issuance of class notices. The court set the deadline for expert discovery on February 22, 2022. The Company is not in a position at this time to assess the likely outcome or its exposure, if any, with respect to this matter. However, the Company will seek to defend itself vigorously against all claims asserted by the plaintiffs. 51000000 54000000 250000000 10000000 25000000 Fair Value Measurements<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Accounting Standards Codification ("ASC") Topic 820, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fair Value Measurement</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, provides a three-level hierarchy for classifying fair value measurements of financial instruments based on whether the inputs to the valuation techniques used are observable or unobservable. It also requires certain disclosures about those measurements. The three-level valuation hierarchy is as follows:</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:45pt;text-indent:-27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:23.5pt">Level 1</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Fair values determined by Level 1 inputs are defined as those that utilize quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company has the ability to access. </span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:45pt;text-indent:-27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:23.5pt">Level 2</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Fair values determined by Level 2 inputs are those that utilize inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. Level 2 inputs include quoted prices for similar assets and liabilities in active or inactive markets, quoted prices for the identical assets in an inactive market and inputs other than quoted prices that are observable for the asset or liability, such as interest rates and yield curves that are observable at commonly quoted intervals. The Company evaluates factors such as the frequency of transactions, the size of the bid-ask spread and the significance of adjustments made when considering transactions involving similar assets or liabilities to assess the relevance of those observed prices. If relevant and observable prices are available, the fair values of the related assets or liabilities would be classified as Level 2. </span></div><div style="margin-bottom:10pt;margin-top:6pt;padding-left:45pt;text-indent:-27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:23.5pt">Level 3</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Fair values determined by Level 3 inputs are those based on unobservable inputs and include situations where there is little, if any, market activity for the asset or liability being valued. In instances where the inputs used to measure fair value may fall into different levels of the fair value hierarchy, the level in the fair value hierarchy in which the measurements classified based on the lowest level input that is significant to the fair value measurement in its entirety. Accordingly, the Company may utilize both observable and unobservable inputs in determining the fair values of financial instruments classified within the Level 3 category. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates the classification of each fair value measurement within the hierarchy at least quarterly.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company's assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and involves consideration of factors specific to the asset or liability. Furthermore, certain techniques used to measure fair value involve some degree of judgment and, as a result, are not necessarily indicative of the amounts the Company would realize in a current market exchange. </span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Assets and Liabilities Measured at Fair Value on a Recurring Basis</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Assets and liabilities measured at fair value on a recurring basis are as follows (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:52.322%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.655%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.765%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quoted Price in Active Markets<br/>for Identical<br/>Assets <br/>(Level 1)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Significant<br/>Other<br/>Observable<br/>Inputs <br/>(Level 2)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Significant<br/>Unobservable<br/>Inputs <br/>(Level 3)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">Balance at September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Fair value - OCI</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury and U.S. GSE securities</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,571 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,580 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Available-for-sale investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,571 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,791 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Fair value - Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Marketable equity securities</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">600 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">600 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative financial instruments - fair value hedges</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">Balance at December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Fair value - OCI</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury securities</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,354 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,354 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Available-for-sale investment securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,354 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,654 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Fair value - Net income</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative financial instruments - fair value hedges</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Derivative instrument carrying values in an asset or liability position are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Available-for-Sale Investment Securities</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investment securities classified as available-for-sale consist of United States Treasury and U.S. GSE securities and RMBS. The fair value estimates of investment securities classified as Level 1, consisting of United States Treasury securities, are determined based on quoted market prices for the same securities. The Company classifies these U.S. GSE securities and RMBS as Level 2, the fair value estimates of which are based on the best information available. This data may consist of observed market prices for similar securities, broker quotes or discounted cash flow models that incorporate assumptions such as benchmark yields, issuer spreads, prepayment speeds, credit ratings and losses, the priority of which may vary based on the availability of information.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company validates the fair value estimates provided by pricing services primarily by comparing to valuations obtained through other pricing sources. The Company evaluates pricing variances among different pricing sources to ensure that the valuations utilized are reasonable. The Company also corroborates the reasonableness of the fair value estimates with analysis of trends of significant inputs, such as market interest rate curves. The Company further performs due diligence in understanding the procedures and techniques performed by the pricing services to derive fair value estimates.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At September 30, 2021, amounts reported in RMBS reflect U.S. government agency and U.S. GSE obligations issued by Ginnie Mae, Fannie Mae and Freddie Mac with an aggregate par value of $201 million, a weighted-average coupon of 3.24% and a weighted-average remaining maturity of two years.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Marketable Equity Securities</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company holds non-controlling equity positions in payment service entities that have actively traded stock and therefore have readily determinable fair values. The Company classifies these equity securities as Level 1, the fair value estimates of which are determined based on quoted share prices for the same securities.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivative Financial Instruments</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company's derivative financial instruments consist of interest rate swaps and foreign exchange forward contracts. These instruments are classified as Level 2 as their fair values are estimated using proprietary pricing models, containing certain assumptions based on readily observable market-based inputs, including interest rate curves, option volatility and foreign currency forward and spot rates. In determining fair values, the pricing models use widely accepted valuation techniques, including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity and the observable market-based inputs. The fair values of the interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash receipts (or payments) and the discounted expected variable cash payments (or receipts). The variable cash payments are based on an expectation of future interest rates derived from the observable market interest rate curves. The Company considers collateral and master netting agreements that mitigate credit exposure to counterparties in determining the counterparty credit risk valuation adjustment. The fair values of the currency instruments are valued by comparing the contracted forward exchange rate pertaining to the specific contract maturities to the current market exchange rate.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company validates the fair value estimates of interest rate swaps primarily through comparison to the fair value estimates computed by the counterparties to each of the derivative transactions. The Company evaluates pricing variances among different pricing sources to ensure that the valuations utilized are reasonable. The Company also corroborates the reasonableness of the fair value estimates with analysis of trends of significant inputs, such as market interest rate curves. The Company performs due diligence in understanding the impact of any changes to the valuation techniques performed by proprietary pricing models before implementation, working closely with the third-party valuation service and reviewing the service's control objectives at least annually. The Company corroborates the fair value of foreign exchange forward contracts through independent calculation of the fair value estimates. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of October 16, 2020, the Company revised its valuation methodology to reflect changes made by central clearinghouses that changed the discounting methodology and interest calculation of cash variation margin from OIS to the Secured Overnight Financing Rate (“SOFR”) for U.S. Dollar cleared interest rate swaps. The Company's valuation methodology will result in valuations for cleared interest rate swaps that better reflect cleared swap prices obtainable in the markets in which the Company transacts. Pursuant to ASC Topic 848, the Company has elected and applied certain optional expedients and exceptions that provide contract modification and hedge accounting relief to eligible interest rate swaps affected by the change in the discounting methodology. The changes in valuation methodology are applied prospectively as a change in accounting estimate and are immaterial to the Company’s financial statements.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company also has assets that, under certain conditions, are subject to measurement at fair value on a non-recurring basis. These assets include those associated with acquired businesses, including goodwill and other intangible assets. For these assets, measurement at fair value in periods subsequent to the initial recognition of the assets may be applicable whenever one is tested for impairment. The Company recognized $92 million of impairments related to these assets during the nine months ended September 30, 2021. No impairments were recognized during the three months ended September 30, 2021. See Note 5: Intangible Assets for more information on the impact of the COVID-19 pandemic on intangible assets.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Financial Instruments Measured at Other Than Fair Value</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables disclose the estimated fair value of the Company's financial assets and financial liabilities that are not required to be carried at fair value (dollars in millions):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%"><tr><td style="width:1.0%"/><td style="width:41.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.817%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">Balance at September 30, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quoted Prices in Active Markets<br/>for Identical<br/>Assets <br/>(Level 1)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Significant<br/>Other<br/>Observable<br/>Inputs (Level 2)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Significant<br/>Unobservable<br/>Inputs (Level 3)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying <br/>Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Held-to-maturity investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loan receivables</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90,019 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90,019 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,681 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Carrying value approximates fair value</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,716 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,716 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,716 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Restricted cash</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accrued interest receivables</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">968 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">968 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">968 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Time deposits</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,300 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,300 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,831 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-term borrowings - owed to securitization investors</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,014 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,124 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,064 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other long-term borrowings</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,204 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,204 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,452 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,218 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,328 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,516 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Carrying value approximates fair value</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accrued interest payables</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%"><tr><td style="width:1.0%"/><td style="width:41.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.817%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">Balance at December 31, 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quoted Prices in Active Markets<br/>for Identical<br/>Assets <br/>(Level 1)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Significant<br/>Other<br/>Observable<br/>Inputs (Level 2)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Significant<br/>Unobservable<br/>Inputs (Level 3)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying <br/>Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Held-to-maturity investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loan receivables</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91,200 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91,200 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,223 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Carrying value approximates fair value</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,564 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,564 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,564 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Restricted cash</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other short-term investments</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,200 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,200 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,200 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accrued interest receivables</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Amortized cost</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Time deposits</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,090 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,090 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,269 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-term borrowings - owed to securitization investors</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,794 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,924 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,840 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other long-term borrowings</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,418 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,418 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,401 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,212 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,342 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,241 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Carrying value approximates fair value</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accrued interest payables</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The carrying values of these assets and liabilities approximate fair value due to their short-term nature.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Accrued interest receivable and payable carrying values are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Excludes deposits without contractually defined maturities for all periods presented.</span></div> <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Assets and liabilities measured at fair value on a recurring basis are as follows (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:52.322%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.655%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.765%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quoted Price in Active Markets<br/>for Identical<br/>Assets <br/>(Level 1)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Significant<br/>Other<br/>Observable<br/>Inputs <br/>(Level 2)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Significant<br/>Unobservable<br/>Inputs <br/>(Level 3)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">Balance at September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Fair value - OCI</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury and U.S. GSE securities</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,571 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,580 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Available-for-sale investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,571 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,791 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Fair value - Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Marketable equity securities</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">600 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">600 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative financial instruments - fair value hedges</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">Balance at December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Fair value - OCI</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">United States Treasury securities</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,354 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,354 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Available-for-sale investment securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,354 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,654 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Fair value - Net income</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative financial instruments - fair value hedges</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Derivative instrument carrying values in an asset or liability position are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition.</span></div> 7571000000 9000000 0 7580000000 0 211000000 0 211000000 7571000000 220000000 0 7791000000 600000000 0 0 600000000 0 1000000 0 1000000 9354000000 0 0 9354000000 0 300000000 0 300000000 9354000000 300000000 0 9654000000 0 1000000 0 1000000 201000000 0.0324 P2Y 92000000 0 <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables disclose the estimated fair value of the Company's financial assets and financial liabilities that are not required to be carried at fair value (dollars in millions):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%"><tr><td style="width:1.0%"/><td style="width:41.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.817%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">Balance at September 30, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quoted Prices in Active Markets<br/>for Identical<br/>Assets <br/>(Level 1)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Significant<br/>Other<br/>Observable<br/>Inputs (Level 2)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Significant<br/>Unobservable<br/>Inputs (Level 3)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying <br/>Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Held-to-maturity investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loan receivables</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90,019 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90,019 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,681 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Carrying value approximates fair value</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,716 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,716 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,716 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Restricted cash</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accrued interest receivables</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">968 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">968 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">968 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Time deposits</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,300 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,300 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,831 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-term borrowings - owed to securitization investors</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,014 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,124 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,064 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other long-term borrowings</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,204 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,204 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,452 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,218 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,328 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,516 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Carrying value approximates fair value</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accrued interest payables</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%"><tr><td style="width:1.0%"/><td style="width:41.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.817%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">Balance at December 31, 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quoted Prices in Active Markets<br/>for Identical<br/>Assets <br/>(Level 1)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Significant<br/>Other<br/>Observable<br/>Inputs (Level 2)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Significant<br/>Unobservable<br/>Inputs (Level 3)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying <br/>Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Amortized cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential mortgage-backed securities - Agency</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Held-to-maturity investment securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loan receivables</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91,200 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91,200 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,223 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Carrying value approximates fair value</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,564 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,564 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,564 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Restricted cash</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other short-term investments</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,200 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,200 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,200 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accrued interest receivables</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Amortized cost</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Time deposits</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,090 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,090 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,269 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-term borrowings - owed to securitization investors</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,794 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,924 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,840 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other long-term borrowings</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,418 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,418 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,401 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,212 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,342 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,241 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Carrying value approximates fair value</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accrued interest payables</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The carrying values of these assets and liabilities approximate fair value due to their short-term nature.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Accrued interest receivable and payable carrying values are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Excludes deposits without contractually defined maturities for all periods presented.</span></div> 0 227000000 0 227000000 223000000 0 227000000 0 227000000 223000000 0 0 90019000000 90019000000 82681000000 12716000000 0 0 12716000000 12716000000 32000000 0 0 32000000 32000000 0 968000000 0 968000000 968000000 0 22300000000 0 22300000000 21831000000 0 9014000000 110000000 9124000000 9064000000 0 10204000000 0 10204000000 9452000000 0 19218000000 110000000 19328000000 18516000000 0 124000000 0 124000000 124000000 0 269000000 0 269000000 260000000 0 269000000 0 269000000 260000000 0 0 91200000000 91200000000 82223000000 13564000000 0 0 13564000000 13564000000 25000000 0 0 25000000 25000000 2200000000 0 0 2200000000 2200000000 0 992000000 0 992000000 992000000 0 29090000000 0 29090000000 28269000000 0 10794000000 130000000 10924000000 10840000000 0 11418000000 0 11418000000 10401000000 0 22212000000 130000000 22342000000 21241000000 0 233000000 0 233000000 233000000 Derivatives and Hedging Activities<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company uses derivatives to manage its exposure to various financial risks. The Company does not enter into derivatives for trading or speculative purposes. Certain derivatives used to manage the Company's exposure to foreign currency are not designated as hedges and do not qualify for hedge accounting. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Derivatives may give rise to counterparty credit risk, which generally is addressed through collateral arrangements as described under the sub-heading "— Collateral Requirements and Credit-Risk Related Contingency Features." The Company enters into derivative transactions with established dealers that meet minimum credit criteria established by the Company. All counterparties must be pre-approved before engaging in any transaction with the Company. The Company regularly monitors counterparties to ensure compliance with the Company's risk policies and limits. In determining the counterparty credit risk valuation adjustment for the fair values of derivatives, if any, the Company considers collateral and legally enforceable master netting agreements that mitigate credit exposure to related counterparties. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All derivatives are recorded in other assets at their gross positive fair values and in accrued expenses and other liabilities at their gross negative fair values. See Note 15: Fair Value Measurements for a description of the valuation methodologies used for derivatives. Cash collateral amounts associated with derivative positions that are cleared through an exchange are legally characterized as settlement of the derivative positions. Such collateral amounts are reflected as offsets to the associated derivatives balances recorded in other assets or in accrued expenses and other liabilities. Other cash collateral posted and held balances are recorded in other assets and deposits, respectively, in the condensed consolidated statements of financial condition. Collateral amounts recorded in the condensed consolidated statements of financial condition are based on the net collateral posted or held position for each applicable legal entity's master netting arrangement with each counterparty.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Derivatives Designated as Hedges</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows arising from changes in interest rates, or other types of forecasted transactions, are considered cash flow hedges. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash Flow Hedges</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company uses interest rate swaps to manage its exposure to changes in interest rates related to future cash flows resulting from interest received on interest-earning assets and interest payments on funding instruments. These interest rate swaps qualify for hedge accounting in accordance with ASC Topic 815, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives and Hedging</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> ("ASC 815"). As of September 30, 2021 and December 31, 2020, the Company's outstanding cash flow hedges related only to interest receipts from credit card receivables and had an initial maximum period of two years.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The change in the fair value of derivatives designated as cash flow hedges is recorded in OCI and is subsequently reclassified into earnings in the period that the hedged forecasted cash flows affect earnings. Amounts reported in AOCI related to derivatives at September 30, 2021, will be reclassified to interest income as interest receipts are accrued on the Company's then outstanding credit card receivables. During the next 12 months, the Company estimates it will reclassify $3 million of pretax earnings primarily related to one terminated derivative formerly designated as a cash flow hedge.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fair Value Hedges</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is exposed to changes in the fair value of its fixed-rate debt obligations due to changes in interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value of certain fixed-rate long-term borrowings, including securitized debt and bank notes, attributable to changes in LIBOR or OIS rate, which are benchmark interest rates defined by ASC 815. These interest rate swaps qualify as fair value hedges in accordance with ASC 815. Changes in both (i) the fair values of the derivatives and (ii) the hedged long-term borrowings relating to the risk being hedged are recorded in interest expense. The changes generally provide substantial offset to one another, with any difference recognized in interest expense.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Derivatives Not Designated as Hedges</span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Foreign Exchange Forward Contracts</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has foreign exchange forward contracts that are economic hedges and are not designated as accounting hedges. The Company enters into foreign exchange forward contracts to manage foreign currency risk. Changes in the fair value of these contracts are recorded in other income.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Derivatives Cleared Through an Exchange</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash variation margin payments on derivatives cleared through an exchange are legally considered settlement payments and are accounted for with corresponding derivative positions as one unit of account and not presented separately as collateral. With settlement payments on derivative positions cleared through this exchange reflected as offsets to the associated derivative asset and liability balances, the fair values of derivative instruments and collateral balances shown are generally reduced.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Derivatives Activity</span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the fair value (including accrued interest) and outstanding notional amounts of derivative instruments and related collateral balances (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%"><tr><td style="width:1.0%"/><td style="width:28.706%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.798%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.885%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.885%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.885%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.798%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.885%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.888%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional<br/>Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Outstanding Derivative Contracts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Derivative Assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Derivative Liabilities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional<br/>Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Derivative Assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Derivative Liabilities</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Derivatives designated as hedges</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps—cash flow hedge</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps—fair value hedge</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,275 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,625 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Derivatives not designated as hedges</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign exchange forward contracts</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gross derivative assets/liabilities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: collateral held/posted</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total net derivative assets/liabilities</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The foreign exchange forward contracts have notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 788 million as of September 30, 2021, and notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 596 million as of December 31, 2020.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">In addition to the derivatives disclosed in the table, the Company enters into forward contracts to purchase when-issued mortgage-backed securities as part of its community reinvestment initiatives. At September 30, 2021, the Company had no outstanding contracts. At December 31, 2020, the Company had one outstanding contract with a total notional amount of $27 million and an immaterial fair value. </span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Collateral amounts, which consist of cash and investment securities, are limited to the related derivative asset/liability balance and do not include excess collateral received/pledged.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following amounts were recorded on the statements of financial condition related to cumulative basis adjustments for fair value hedges (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:25.239%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.757%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.757%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.757%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.758%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of Hedged Liability</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cumulative Amount of Fair Value Hedging Adjustment Increasing the Carrying Amount of Hedged Liability</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of Hedged Liabilities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cumulative Amount of Fair Value Hedging Adjustment Increasing the Carrying Amount of Hedged Liability</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,885 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,881 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">281 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the impact of the derivative instruments on income and indicates where within the condensed consolidated financial statements such impact is reported (dollars in millions):</span></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:64.971%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.395%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Location and Amount of (Losses) Gains Recognized on the Condensed Consolidated Statements of Income</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Expense</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Deposits</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term Borrowings</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Income</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(156)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(113)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">The effects of cash flow and fair value hedging</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains (losses) on cash flow hedging relationship</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from OCI into earnings</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains on fair value hedging relationships</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains on hedged items</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains (losses) on interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains on fair value hedging relationships</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(126)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">The effects of cash flow and fair value hedging</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains on cash flow hedging relationship</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from OCI into earnings</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains on fair value hedging relationships</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains on hedged items</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains (losses) on interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains on fair value hedging relationships</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">The effects of derivatives not designated in hedging relationships</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains (losses) on derivatives not designated as hedges</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:64.971%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.395%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Location and Amount of (Losses) Gains Recognized on the Condensed Consolidated Statements of Income</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Expense</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:30pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Deposits</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term Borrowings</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Income</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(356)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">The effects of cash flow and fair value hedging</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains (losses) on cash flow hedging relationship</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from OCI into earnings</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains on fair value hedging relationships</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains on hedged items</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains (losses) on interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains on fair value hedging relationships</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,000)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(479)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">The effects of cash flow and fair value hedging</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Losses on cash flow hedging relationship</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from OCI into earnings</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains on fair value hedging relationship</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains (losses) on hedged items</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(326)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains on interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">434 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains on fair value hedging relationships</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the impact of the derivative instruments on OCI, see Note 9: Accumulated Other Comprehensive Income.</span></div><div style="margin-bottom:5pt;margin-top:15pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Collateral Requirements and Credit-Risk Related Contingency Features</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has master netting arrangements and minimum collateral posting thresholds with its counterparties for its fair value and cash flow hedge interest rate swaps and foreign exchange forward contracts. The Company has not sought a legal opinion in relation to the enforceability of its master netting arrangements and, as such, does not report any of these positions on a net basis.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Collateral is required by either the Company or its subsidiaries or the counterparty depending on the net fair value position of the derivatives held with that counterparty. These collateral receivable or payable amounts are generally not offset against the fair value of these derivatives but are recorded separately in other assets or deposits. Most of the Company's cash collateral amounts relate to positions cleared through an exchange and are reflected as offsets to the associated derivatives balances recorded in other assets and accrued expenses and other liabilities.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company also has agreements with certain of its derivative counterparties that contain a provision under which the Company could be declared in default on any of its derivative obligations if the Company defaults on any of its indebtedness, including default where the lender has not accelerated repayment of the indebtedness.</span></div> P2Y P2Y 3000000 1 <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the fair value (including accrued interest) and outstanding notional amounts of derivative instruments and related collateral balances (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%"><tr><td style="width:1.0%"/><td style="width:28.706%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.798%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.885%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.885%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.885%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.798%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.885%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.888%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional<br/>Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of Outstanding Derivative Contracts</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Derivative Assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Derivative Liabilities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional<br/>Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Derivative Assets</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Derivative Liabilities</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Derivatives designated as hedges</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps—cash flow hedge</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps—fair value hedge</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,275 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,625 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Derivatives not designated as hedges</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign exchange forward contracts</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gross derivative assets/liabilities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: collateral held/posted</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total net derivative assets/liabilities</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">The foreign exchange forward contracts have notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 788 million as of September 30, 2021, and notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 596 million as of December 31, 2020.</span></div><div style="margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">In addition to the derivatives disclosed in the table, the Company enters into forward contracts to purchase when-issued mortgage-backed securities as part of its community reinvestment initiatives. At September 30, 2021, the Company had no outstanding contracts. At December 31, 2020, the Company had one outstanding contract with a total notional amount of $27 million and an immaterial fair value. </span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Collateral amounts, which consist of cash and investment securities, are limited to the related derivative asset/liability balance and do not include excess collateral received/pledged.</span></div> 250000000 1 0 0 250000000 0 0 8275000000 10 1000000 0 11625000000 1000000 0 26000000 6 0 0 24000000 0 0 5000000 1 0 0 0 0 0 1000000 0 1000000 0 0 0 0 0 1000000 0 1000000 0 6000000 6000000 1000000 788000000 6000000 6000000 1000000 596000000 0 1 27000000 <span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following amounts were recorded on the statements of financial condition related to cumulative basis adjustments for fair value hedges (dollars in millions):</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:25.239%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.757%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.757%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.757%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.758%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of Hedged Liability</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cumulative Amount of Fair Value Hedging Adjustment Increasing the Carrying Amount of Hedged Liability</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of Hedged Liabilities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cumulative Amount of Fair Value Hedging Adjustment Increasing the Carrying Amount of Hedged Liability</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,885 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,881 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">281 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table> 8885000000 115000000 11881000000 281000000 <div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the impact of the derivative instruments on income and indicates where within the condensed consolidated financial statements such impact is reported (dollars in millions):</span></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:64.971%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.395%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Location and Amount of (Losses) Gains Recognized on the Condensed Consolidated Statements of Income</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Expense</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Deposits</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term Borrowings</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Income</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(156)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(113)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">The effects of cash flow and fair value hedging</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains (losses) on cash flow hedging relationship</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from OCI into earnings</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains on fair value hedging relationships</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains on hedged items</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains (losses) on interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains on fair value hedging relationships</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(126)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">The effects of cash flow and fair value hedging</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains on cash flow hedging relationship</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from OCI into earnings</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains on fair value hedging relationships</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains on hedged items</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains (losses) on interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains on fair value hedging relationships</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">The effects of derivatives not designated in hedging relationships</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains (losses) on derivatives not designated as hedges</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:64.971%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.395%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Location and Amount of (Losses) Gains Recognized on the Condensed Consolidated Statements of Income</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Expense</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:30pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Deposits</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term Borrowings</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:10pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Income</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(356)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">The effects of cash flow and fair value hedging</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains (losses) on cash flow hedging relationship</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from OCI into earnings</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains on fair value hedging relationships</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains on hedged items</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains (losses) on interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains on fair value hedging relationships</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 5.5pt;text-align:left;text-indent:-4.5pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,000)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(479)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">The effects of cash flow and fair value hedging</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Losses on cash flow hedging relationship</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amounts reclassified from OCI into earnings</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Gains on fair value hedging relationship</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains (losses) on hedged items</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(326)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains on interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">434 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains on fair value hedging relationships</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000;padding:0 1pt"/></tr></table> -156000000 -113000000 18000000 0 0 0 0 45000000 0 0 -9000000 0 0 36000000 0 -287000000 -126000000 17000000 -4000000 0 0 0 59000000 0 0 -9000000 0 0 50000000 0 0 0 -1000000 -519000000 -356000000 47000000 0 -2000000 0 0 167000000 0 0 -38000000 0 0 129000000 0 -1000000000 -479000000 59000000 -9000000 -2000000 0 0 -326000000 0 0 434000000 0 0 108000000 0 Segment Disclosures<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company manages its business activities in two segments: Digital Banking and Payment Services.</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Digital Banking:</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Digital Banking segment includes Discover-branded credit cards issued to individuals on the Discover Network and other consumer products and services, including private student loans, personal loans, home loans and other consumer lending and deposit products. The majority of Digital Banking revenues relate to interest income earned on the segment's loan products. Additionally, the Company's credit card products generate substantially all revenues related to discount and interchange, protection products and loan fee income.</span></div><div style="margin-bottom:10pt;margin-top:6pt;padding-left:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Payment Services:</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Payment Services segment includes PULSE, an automated teller machine, debit and electronic funds transfer network; Diners Club, a global payments network; and the Company's Network Partners business, which provides payment transaction processing and settlement services on the Discover Network. The majority of Payment Services revenues relate to transaction processing revenue from PULSE and royalty and licensee revenue from Diners Club. </span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The business segment reporting provided to and used by the Company's chief operating decision-maker is prepared using the following principles and allocation conventions:</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The Company aggregates operating segments when determining reportable segments.</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Corporate overhead is not allocated between segments; all corporate overhead is included in the Digital Banking segment.</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Through its operation of the Discover Network, the Digital Banking segment incurs fixed marketing, servicing and infrastructure costs that are not specifically allocated among the segments, except for an allocation of direct and incremental costs driven by the Company's Payment Services segment.</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The Company's assets are not allocated among the operating segments in the information reviewed by the Company's chief operating decision-maker.</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The revenues of each segment are derived from external sources. The segments do not earn revenue from intercompany sources.</span></div><div style="margin-bottom:10pt;margin-top:6pt;padding-left:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Income taxes are not specifically allocated between the operating segments in the information reviewed by the Company's chief operating decision-maker.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents segment data (dollars in millions):</span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:64.720%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Digital<br/>Banking</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment<br/>Services</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,193 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,193 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">219 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">219 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other interest income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest income</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,674 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,674 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,405 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,405 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">185 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">185 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income (loss)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">447 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(75)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other expense</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,151 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,190 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income (loss) before income taxes</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,516 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(114)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,402 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest income</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,171 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,171 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">237 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">237 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other interest income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest income</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,681 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,681 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">416 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">416 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,265 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,265 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">750 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">750 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">371 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">449 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other expense</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">969 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,005 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before income taxes</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">917 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">959 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:64.720%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Digital<br/>Banking</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment<br/>Services</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,452 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,452 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">554 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">554 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">662 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">662 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other interest income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest income</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,909 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,909 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">875 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">875 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,034 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,034 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,284 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">833 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,117 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other expense</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,290 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">203 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,493 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before income tax expense</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,073 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">630 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,703 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest income</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,760 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,760 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">569 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">569 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">722 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">722 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other interest income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest income</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,335 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,335 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,482 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,482 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,853 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,853 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,603 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,603 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,091 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,411 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other expense</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,069 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">172 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,241 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before income tax expense</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">272 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">420 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table> 2 <div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents segment data (dollars in millions):</span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:64.720%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Digital<br/>Banking</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment<br/>Services</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,193 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,193 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">219 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">219 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other interest income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest income</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,674 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,674 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,405 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,405 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">185 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">185 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income (loss)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">447 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(75)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other expense</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,151 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,190 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income (loss) before income taxes</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,516 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(114)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,402 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest income</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,171 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,171 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">237 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">237 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other interest income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest income</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,681 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,681 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">416 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">416 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,265 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,265 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">750 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">750 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">371 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">449 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other expense</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">969 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,005 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before income taxes</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">917 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">959 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:64.720%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Digital<br/>Banking</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment<br/>Services</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,452 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,452 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">554 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">554 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">662 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">662 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other interest income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest income</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,909 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,909 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">875 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">875 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,034 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,034 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,284 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">833 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,117 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other expense</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,290 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">203 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,493 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before income tax expense</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,073 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">630 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,703 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest income</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit card loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,760 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,760 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private student loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">569 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">569 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Personal loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">722 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">722 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other interest income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest income</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,335 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,335 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,482 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,482 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,853 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,853 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,603 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,603 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,091 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,411 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other expense</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,069 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">172 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,241 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before income tax expense</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">272 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">420 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table> 2193000000 0 2193000000 184000000 0 184000000 219000000 0 219000000 30000000 0 30000000 48000000 0 48000000 2674000000 0 2674000000 269000000 0 269000000 2405000000 0 2405000000 185000000 0 185000000 447000000 -75000000 372000000 1151000000 39000000 1190000000 1516000000 -114000000 1402000000 2171000000 0 2171000000 182000000 0 182000000 237000000 0 237000000 27000000 0 27000000 64000000 0 64000000 2681000000 0 2681000000 416000000 0 416000000 2265000000 0 2265000000 750000000 0 750000000 371000000 78000000 449000000 969000000 36000000 1005000000 917000000 42000000 959000000 6452000000 0 6452000000 554000000 0 554000000 662000000 0 662000000 85000000 0 85000000 156000000 0 156000000 7909000000 0 7909000000 875000000 0 875000000 7034000000 0 7034000000 -45000000 0 -45000000 1284000000 833000000 2117000000 3290000000 203000000 3493000000 5073000000 630000000 5703000000 6760000000 0 6760000000 569000000 0 569000000 722000000 0 722000000 78000000 0 78000000 206000000 0 206000000 8335000000 0 8335000000 1482000000 0 1482000000 6853000000 0 6853000000 4603000000 0 4603000000 1091000000 320000000 1411000000 3069000000 172000000 3241000000 272000000 148000000 420000000 Revenue from Contracts with Customers<div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ASC Topic 606, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Revenue from Contracts with Customers</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> ("ASC 606"), generally applies to the sales of any good or service for which no other specific accounting guidance is provided. ASC 606 defines a principles-based model under which revenue from a contract is allocated to the distinct performance obligations within the contract and recognized in income as each performance obligation is satisfied. The Company's revenue that is subject to this model includes discount and interchange, protection products fees, transaction processing revenue and certain amounts classified as other income. </span></div><div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents revenue from contracts with customers disaggregated by business segment and reconciles revenue from contracts with customers to total other income (dollars in millions):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:64.720%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Digital Banking</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment Services</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income subject to ASC 606</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount and interchange revenue, net</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">280 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">299 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Protection products revenue</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transaction processing revenue</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income subject to ASC 606</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">326 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">418 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income not subject to ASC 606</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan fee income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized gains (losses) on equity investments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(167)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(167)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income (loss) not subject to ASC 606</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(167)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income (loss) by operating segment</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">447 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(75)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income subject to ASC 606</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount and interchange revenue, net</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">225 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Protection products revenue</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transaction processing revenue</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income subject to ASC 606</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">271 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">349 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income not subject to ASC 606</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan fee income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income not subject to ASC 606</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income by operating segment</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">371 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">449 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:64.720%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Digital Banking</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment Services</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income subject to ASC 606</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount and interchange revenue, net</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">826 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">879 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Protection products revenue</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transaction processing revenue</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (loss) income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income subject to ASC 606</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">951 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">271 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,222 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income not subject to ASC 606</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan fee income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized gains on equity investments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">562 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">562 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income not subject to ASC 606</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">562 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">895 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income by operating segment</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,284 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">833 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,117 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income subject to ASC 606</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount and interchange revenue, net</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">644 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">691 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Protection products revenue</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transaction processing revenue</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income subject to ASC 606</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">787 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,028 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income not subject to ASC 606</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan fee income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">304 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">304 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Realized gains on equity investments</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income not subject to ASC 606</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">304 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">383 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income by operating segment</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,091 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,411 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;padding-right:9pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Net of rewards, including Cashback Bonus rewards, of $689 million and $514 million for the three months ended September 30, 2021 and 2020, respectively, and $1.8 billion and $1.4 billion for the nine months ended September 30, 2021 and 2020, respectively.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Excludes deposit product fees that are reported within net interest income, which were immaterial for the three and nine months ended September 30, 2021 and 2020.</span></div><div style="margin-bottom:10pt;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For a detailed description of the Company's significant revenue recognition accounting policies, see Note 2: Summary of Significant Accounting Policies to the consolidated financial statements in the Company's annual report on Form 10-K for the year ended December 31, 2020.</span></div> <div style="text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents revenue from contracts with customers disaggregated by business segment and reconciles revenue from contracts with customers to total other income (dollars in millions):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:64.720%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Digital Banking</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment Services</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income subject to ASC 606</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount and interchange revenue, net</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">280 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">299 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Protection products revenue</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transaction processing revenue</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income subject to ASC 606</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">326 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">418 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income not subject to ASC 606</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan fee income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized gains (losses) on equity investments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(167)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(167)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income (loss) not subject to ASC 606</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(167)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income (loss) by operating segment</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">447 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(75)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Three Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income subject to ASC 606</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount and interchange revenue, net</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">225 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Protection products revenue</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transaction processing revenue</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income subject to ASC 606</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">271 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">349 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income not subject to ASC 606</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan fee income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income not subject to ASC 606</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income by operating segment</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">371 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">449 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%"><tr><td style="width:1.0%"/><td style="width:64.720%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.798%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Digital Banking</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment Services</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income subject to ASC 606</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount and interchange revenue, net</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">826 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">879 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Protection products revenue</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transaction processing revenue</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (loss) income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income subject to ASC 606</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">951 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">271 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,222 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income not subject to ASC 606</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan fee income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized gains on equity investments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">562 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">562 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income not subject to ASC 606</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">562 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">895 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income by operating segment</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,284 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">833 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,117 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">For the Nine Months Ended September 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income subject to ASC 606</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount and interchange revenue, net</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">644 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">691 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Protection products revenue</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transaction processing revenue</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income subject to ASC 606</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">787 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,028 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other income not subject to ASC 606</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan fee income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">304 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">304 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Realized gains on equity investments</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income not subject to ASC 606</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">304 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">383 </span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other income by operating segment</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,091 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,411 </span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;padding-left:18pt;padding-right:9pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Net of rewards, including Cashback Bonus rewards, of $689 million and $514 million for the three months ended September 30, 2021 and 2020, respectively, and $1.8 billion and $1.4 billion for the nine months ended September 30, 2021 and 2020, respectively.</span></div><div style="margin-bottom:10pt;margin-top:1pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.84pt">Excludes deposit product fees that are reported within net interest income, which were immaterial for the three and nine months ended September 30, 2021 and 2020.</span></div> 280000000 19000000 299000000 43000000 0 43000000 0 58000000 58000000 3000000 15000000 18000000 326000000 92000000 418000000 121000000 0 121000000 0 -167000000 -167000000 121000000 -167000000 -46000000 447000000 -75000000 372000000 225000000 13000000 238000000 44000000 0 44000000 0 50000000 50000000 2000000 15000000 17000000 271000000 78000000 349000000 100000000 0 100000000 100000000 0 100000000 371000000 78000000 449000000 826000000 53000000 879000000 129000000 0 129000000 0 167000000 167000000 -4000000 51000000 47000000 951000000 271000000 1222000000 333000000 0 333000000 0 562000000 562000000 333000000 562000000 895000000 1284000000 833000000 2117000000 644000000 47000000 691000000 135000000 0 135000000 0 143000000 143000000 8000000 51000000 59000000 787000000 241000000 1028000000 304000000 0 304000000 0 79000000 79000000 304000000 79000000 383000000 1091000000 320000000 1411000000 689000000 514000000 1800000000 1400000000 Subsequent EventsThe Company has evaluated events and transactions that have occurred subsequent to September 30, 2021, and determined that there were no subsequent events that would require recognition or disclosure in the condensed consolidated financial statements. FICO score represents the higher credit score of the cosigner or borrower. A majority of private student loan originations occur in the third quarter and disbursements can span multiple calendar years. Held-to-maturity investment securities are reported at amortized cost. Amounts represent residential mortgage-backed securities ("RMBS") that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives. Repayment of this debt depends on the timing of principal and interest payments on the underlying private student loans. The date shown represents the final maturity date. The private student loan securitization trust floating-rate asset-backed security includes an issuance with the following interest rate term: Prime rate + 100 basis points as of September 30, 2021. Accrued interest receivable and payable carrying values are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition. The carrying values of these assets and liabilities approximate fair value due to their short-term nature. For credit card loans that default from a temporary program, accounts revert to the pre-modification terms and charging privileges remain suspended in most cases. For credit card loans and personal loans, a customer defaults from a loan modification program after either two consecutive missed payments or at charge-off, depending on the program. The outstanding balance upon default is generally the loan balance at the end of the month prior to default. Issued as depositary shares, each representing 1/100th interest in a share of the corresponding series of preferred stock. Each preferred share has a par value of $0.01. Any dividends declared are payable semi-annually in arrears at a rate of 6.125% per annum until September 23, 2025, after which the dividend rate will reset every five years to a fixed annual rate equal to the 5-year Treasury plus a spread of 5.783%. Consists of securities issued by Fannie Mae, Freddie Mac, Ginnie Mae, or the Federal Home Loan Bank. Includes $56 million and $117 million of United States Treasury securities pledged as swap collateral as of September 30, 2021 and December 31, 2020, respectively. Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part on any dividend payment date on or after October 30, 2027, or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series C preferred stock). Redeemable at the redemption price plus declared and unpaid dividends. Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part during the three-month period prior to, and including, each reset date (as defined in the certificate of designations for the Series D preferred stock) or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series D Preferred Stock). Any dividends declared are payable semi-annually in arrears at a rate of 5.50% per annum until October 30, 2027. Thereafter, dividends declared will be payable quarterly in arrears at a floating rate equal to 3-month LIBOR plus a spread of 3.076% per annum. Accrued interest receivable on private student, personal and other loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $503 million, $41 million and $6 million, respectively, at September 30, 2021 and $469 million, $49 million and $6 million, respectively, at December 31, 2020. Amounts include carrying values of $215 million and $250 million in loans pledged as collateral against the notes issued from a private student loan securitization trust at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information. Unbilled accrued interest receivable on credit card loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $379 million and $420 million at September 30, 2021 and December 31, 2020, respectively. Amounts include carrying values of $12.9 billion and $16.7 billion underlying investors' interest in trust debt at September 30, 2021 and December 31, 2020, respectively, and $11.6 billion and $10.6 billion in seller's interest at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information. Represents transactions processed on the Discover Network for which a potential liability exists that, in aggregate, can differ from credit card sales volume. The Basel III rules do not establish well-capitalized thresholds for these measures for bank holding companies. Existing well-capitalized thresholds established in the Federal Reserve's Regulation Y have been included where available. Excludes deposit product fees that are reported within net interest income, which were immaterial for the three and nine months ended September 30, 2021 and 2020. Collateral amounts, which consist of cash and investment securities, are limited to the related derivative asset/liability balance and do not include excess collateral received/pledged. The Company uses interest rate swaps to hedge portions of these long-term borrowings against changes in fair value attributable to changes in the London Interbank Offered Rate ("LIBOR") or Overnight Index Swap ("OIS") Rate. The use of these interest rate swaps impacts the carrying value of the debt. See Note 16: Derivatives and Hedging Activities. Available-for-sale investment securities are reported at fair value. Excludes deposits without contractually defined maturities for all periods presented. DCENT floating-rate asset-backed securities include issuances with the following interest rate terms: 1-month LIBOR + 33 to 60 basis points as of September 30, 2021. (1)Includes United States Treasury bills with maturity dates greater than 90 days but less than one year at the time of acquisition. Prior to the adoption of Accounting Standards Update ("ASU") No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach. The foreign exchange forward contracts have notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 788 million as of September 30, 2021, and notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 596 million as of December 31, 2020. Derivative instrument carrying values in an asset or liability position are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition. Maturities of RMBS are reflective of the contractual maturities of the investment. Private student loans may include a deferment period, during which customers are not required to make payments while enrolled in school at least half time as determined by the school. During a deferment period, these loans do not advance into delinquency. Capital ratios are calculated based on the Basel III standardized approach rules, subject to applicable transition provisions, including CECL transition provisions. For student loans, a customer defaults from a loan modification after they are 60 or more days delinquent. The outstanding balance upon default is generally the loan balance at the end of the month prior to default Accounts that entered a credit card TDR program include $72 million and $143 million that were converted from revolving line-of-credit arrangements to term loans during the three months ended September 30, 2021 and 2020, respectively, and $288 million and $529 million for the nine months ended September 30, 2021 and 2020, respectively. Represents the adjustment to the allowance for credit losses due to the adoption of ASU No. 2016-13 on January 1, 2020. The Company estimates that the gross interest income that would have been recorded under the original terms of non-accruing credit card loans was $6 million and $7 million for the three months ended September 30, 2021 and 2020, respectively, and $21 million and $25 million for the nine months ended September 30, 2021 and 2020, respectively. The Company does not separately track the amount of gross interest income that would have been recorded under the original terms of loans. Instead, the Company estimated this amount based on customers' current balances and most recent interest rates. Includes $2.0 billion and $2.6 billion in certificates of deposit equal to or greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of September 30, 2021 and December 31, 2020, respectively. The Company maintains its allowance for credit losses at an amount equal to lifetime expected credit losses associated with all loan receivables, which includes all loan receivables in the trusts. Therefore, the credit risk associated with the transferred receivables is fully reflected on the Company's statements of financial condition in accordance with GAAP. Excludes a $25 million and $40 million reclassification of the liability for expected credit losses on unfunded commitments for the three months ended September 30, 2021 and 2020, respectively, and $2 million and $17 million for the nine months ended September 30, 2021 and 2020, respectively, as the liability is recorded in accrued expenses and other liabilities in the Company's condensed consolidated statements of financial condition. Net of rewards, including Cashback Bonus rewards, of $689 million and $514 million for the three months ended September 30, 2021 and 2020, respectively, and $1.8 billion and $1.4 billion for the nine months ended September 30, 2021 and 2020, respectively. Amounts include $881 million and $1.0 billion of revolving line-of-credit arrangements that were converted to term loans as a result of a troubled debt restructuring ("TDR") program as of September 30, 2021 and December 31, 2020, respectively. In addition to the derivatives disclosed in the table, the Company enters into forward contracts to purchase when-issued mortgage-backed securities as part of its community reinvestment initiatives. At September 30, 2021, the Company had no outstanding contracts. At December 31, 2020, the Company had one outstanding contract with a total notional amount of $27 million and an immaterial fair value. XML 12 R1.htm IDEA: XBRL DOCUMENT v3.21.2
Document and Entity Information - shares
 9 Months Ended
Sep. 30, 2021
Oct. 22, 2021
Cover [Abstract]    
Document type 10-Q  
Document quarterly report true  
Document period end date Sep. 30, 2021  
Document transition report false  
Entity file number 001-33378  
Entity registrant name DISCOVER FINANCIAL SERVICES  
Entity incorporation, state DE  
Entity tax identification number 36-2517428  
Entity address, address line one 2500 Lake Cook Road  
Entity address, city or town Riverwoods  
Entity address, state or province IL  
Entity address, postal zip code 60015  
Entity phone number, city area code 224  
Entity phone number, local phone number 405-0900  
Title of 12(b) security Common Stock, par value $0.01 per share  
Trading symbol DFS  
Security exchange name NYSE  
Entity current reporting status Yes  
Entity interactive data current Yes  
Entity filer category Large Accelerated Filer  
Smaller reporting company false  
Emerging growth company false  
Entity shell company false  
Entity common stock, shares outstanding   293,075,754
Entity central index key 0001393612  
Current fiscal year end date --12-31  
Document fiscal year focus 2021  
Document fiscal period focus Q3  
Amendment flag false  
XML 13 R2.htm IDEA: XBRL DOCUMENT v3.21.2
Condensed Consolidated Statements of Financial Condition - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Assets    
Cash and cash equivalents $ 12,716 $ 13,564
Restricted cash 32 25
Other short-term investments 0 2,200
Investment securities (includes available-for-sale securities of $7,791 and $9,654 reported at fair value with associated amortized cost of $7,566 and $9,277 at September 30, 2021 and December 31, 2020, respectively) 8,014 9,914
Loan receivables    
Loan receivables 89,542 90,449
Allowance for credit losses (6,861) (8,226)
Net loan receivables 82,681 82,223
Premises and equipment, net 987 1,027
Goodwill 255 255
Intangible assets, net 1 95
Other assets 3,858 3,586
Total assets 108,544 112,889
Deposits    
Interest-bearing deposit accounts 71,126 75,695
Non-interest bearing deposit accounts 1,436 1,209
Total deposits 72,562 76,904
Long-term borrowings 18,516 21,241
Accrued expenses and other liabilities 4,203 3,860
Total liabilities 95,281 102,005
Commitments, contingencies and guarantees (Notes 10, 13 and 14)
Stockholders' Equity    
Common stock, par value $0.01 per share; 2,000,000,000 shares authorized; 568,761,125 and 567,898,063 shares issued at September 30, 2021 and December 31, 2020, respectively 6 6
Preferred stock, par value $0.01 per share; 200,000,000 shares authorized; 10,700 shares issued and outstanding at September 30, 2021 and December 31, 2020, respectively 1,056 1,056
Additional paid-in capital 4,345 4,257
Retained earnings 23,846 19,955
Accumulated other comprehensive (loss) income (68) 45
Treasury stock, at cost; 274,001,084 and 261,300,765 shares at September 30, 2021 and December 31, 2020, respectively (15,922) (14,435)
Total stockholders' equity 13,263 10,884
Total liabilities and stockholders' equity 108,544 112,889
Variable Interest Entity, Primary Beneficiary [Member]    
Assets    
Restricted cash 32 25
Loan receivables    
Loan receivables 24,751 27,546
Allowance for credit losses (1,436) (1,936)
Other assets 4 4
Deposits    
Long-term borrowings 9,064 10,840
Accrued expenses and other liabilities $ 5 $ 8
XML 14 R3.htm IDEA: XBRL DOCUMENT v3.21.2
Condensed Consolidated Statements of Financial Condition (Parenthetical) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Statement of Financial Position [Abstract]    
Available-for-sale investment securities, fair value [1] $ 7,791 $ 9,654
Available-for-sale investment securities, amortized cost [1] $ 7,566 $ 9,277
Common Stock, Par or Stated Value Per Share $ 0.01 $ 0.01
Common Stock, Shares Authorized 2,000,000,000 2,000,000,000
Common Stock, Shares, Issued 568,761,125 567,898,063
Preferred stock, par or stated value per Share $ 0.01 $ 0.01
Preferred Stock, Shares Authorized 200,000,000 200,000,000
Preferred Stock, Shares Issued 10,700 10,700
Preferred Stock, Shares Outstanding 10,700 10,700
Treasury Stock, Shares 274,001,084 261,300,765
[1] Available-for-sale investment securities are reported at fair value.
XML 15 R4.htm IDEA: XBRL DOCUMENT v3.21.2
Condensed Consolidated Statements of Income - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Interest income        
Credit card loans $ 2,193 $ 2,171 $ 6,452 $ 6,760
Other loans 433 446 1,301 1,369
Investment securities 45 58 142 171
Other interest income 3 6 14 35
Total interest income 2,674 2,681 7,909 8,335
Interest expense        
Deposits 156 287 519 1,000
Short-term borrowings 0 3 0 3
Long-term borrowings 113 126 356 479
Total interest expense 269 416 875 1,482
Net interest income 2,405 2,265 7,034 6,853
Provision for credit losses 185 750 (45) 4,603
Net interest income after provision for credit losses 2,220 1,515 7,079 2,250
Other income        
Discount and interchange revenue, net 299 238 879 691
Protection products revenue 43 44 129 135
Loan fee income 121 100 333 304
Transaction processing revenue 58 50 167 143
Unrealized (losses) gains on equity investments (167) 0 562 0
Realized gains on equity investments 0 0 0 79
Other income 18 17 47 59
Total other income 372 449 2,117 1,411
Other expense        
Employee compensation and benefits 483 471 1,487 1,390
Marketing and business development 210 140 539 500
Information processing and communications 121 111 375 342
Professional fees 198 151 567 525
Premises and equipment 23 26 69 83
Other expense 155 106 456 401
Total other expense 1,190 1,005 3,493 3,241
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest, Total 1,402 959 5,703 420
Income tax expense 311 188 1,321 78
Net income 1,091 771 4,382 342
Net Income (Loss) Available to Common Stockholders, Diluted 1,055 751 4,289 309
Net income allocated to common stockholders $ 1,055 $ 751 $ 4,289 $ 309
Basic earnings per common share $ 3.54 $ 2.45 $ 14.17 $ 1.00
Diluted earnings per common share $ 3.54 $ 2.45 $ 14.16 $ 1.00
XML 16 R5.htm IDEA: XBRL DOCUMENT v3.21.2
Condensed Consolidated Statements of Comprehensive Income - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Statement of Comprehensive Income [Abstract]        
Net income $ 1,091 $ 771 $ 4,382 $ 342
Other comprehensive (loss) income, net of tax        
Unrealized (losses) gains on available-for-sale investment securities, net of tax (29) (32) (115) 208
Unrealized gains on cash flow hedges, net of tax 0 3 2 4
Other comprehensive (loss) income (29) (29) (113) 212
Comprehensive income $ 1,062 $ 742 $ 4,269 $ 554
XML 17 R6.htm IDEA: XBRL DOCUMENT v3.21.2
Condensed Consolidated Statements of Changes in Stockholders' Equity - USD ($)
$ in Millions
Total
Cumulative Effect, Period of Adoption, Adjustment
Preferred Stock [Member]
Common Stock [Member]
Additional Paid-in Capital [Member]
Retained Earnings [Member]
Retained Earnings [Member]
Cumulative Effect, Period of Adoption, Adjustment
Accumulated Other Comprehensive (Loss) Income [Member]
Treasury Stock [Member]
Series C Preferred Stock [Member]
Series C Preferred Stock [Member]
Retained Earnings [Member]
Series D Preferred Stock
Series D Preferred Stock
Retained Earnings [Member]
Preferred stock, shares outstanding, balance at beginning of period (in shares) at Dec. 31, 2019     6,000                    
Common stock, shares outstanding, balance at beginning of period (in shares) at Dec. 31, 2019       566,654,000                  
Stockholders' equity, balance at beginning of period at Dec. 31, 2019 $ 11,859   $ 563 $ 6 $ 4,206 $ 21,290   $ (119) $ (14,087)        
Stockholders' equity, balance at beginning of period (Accounting Standards Update 2016-13 [Member]) at Dec. 31, 2019   $ (1,902)         $ (1,902)            
Increase (Decrease) in Stockholders' Equity [Roll Forward]                          
Net income 342         342              
Other comprehensive loss 212             212          
Purchases of treasury stock (343)               (343)        
Common stock issued under employee benefit plans (in shares)       163,000                  
Common stock issued under employee benefit plans 7     $ 0 7                
Common stock issued and stock-based compensation expense (in shares)       927,000                  
Common stock issued and stock-based compensation expense 22     $ 0 22                
Stock Issued During Period, Shares, New Issues     5,000                    
Stock Issued During Period, Value, New Issues 493   $ 493                    
Dividends — common stock (407)         (407)              
Dividends — preferred stock (31)                 $ (31) $ (31)    
Preferred stock, shares outstanding, balance at end of period (in shares) at Sep. 30, 2020     11,000                    
Common stock, shares outstanding, balance at end of period (in shares) at Sep. 30, 2020       567,744,000                  
Stockholders' equity, balance at end of period at Sep. 30, 2020 10,252   $ 1,056 $ 6 4,235 19,292   93 (14,430)        
Preferred stock, shares outstanding, balance at beginning of period (in shares) at Jun. 30, 2020     11,000                    
Common stock, shares outstanding, balance at beginning of period (in shares) at Jun. 30, 2020       567,653,000                  
Stockholders' equity, balance at beginning of period at Jun. 30, 2020 9,643   $ 1,056 $ 6 4,216 18,673   122 (14,430)        
Increase (Decrease) in Stockholders' Equity [Roll Forward]                          
Net income 771         771              
Other comprehensive loss (29)             (29)          
Common stock issued under employee benefit plans (in shares)       50,000                  
Common stock issued under employee benefit plans 3     $ 0 3                
Common stock issued and stock-based compensation expense (in shares)       41,000                  
Common stock issued and stock-based compensation expense 16     $ 0 16                
Dividends — common stock (137)         (137)              
Dividends — preferred stock (15)                 (15) (15)    
Preferred stock, shares outstanding, balance at end of period (in shares) at Sep. 30, 2020     11,000                    
Common stock, shares outstanding, balance at end of period (in shares) at Sep. 30, 2020       567,744,000                  
Stockholders' equity, balance at end of period at Sep. 30, 2020 $ 10,252   $ 1,056 $ 6 4,235 19,292   93 (14,430)        
Preferred stock, shares outstanding, balance at beginning of period (in shares) at Dec. 31, 2020 10,700   11,000                    
Common stock, shares outstanding, balance at beginning of period (in shares) at Dec. 31, 2020       567,898,000                  
Stockholders' equity, balance at beginning of period at Dec. 31, 2020 $ 10,884   $ 1,056 $ 6 4,257 19,955   45 (14,435)        
Increase (Decrease) in Stockholders' Equity [Roll Forward]                          
Net income 4,382         4,382              
Other comprehensive loss (113)             (113)          
Purchases of treasury stock (1,487)               (1,487)        
Common stock issued under employee benefit plans (in shares)       67,000                  
Common stock issued under employee benefit plans 7     $ 0 7                
Common stock issued and stock-based compensation expense (in shares)       796,000                  
Common stock issued and stock-based compensation expense 81     $ 0 81                
Dividends — common stock (422)         (422)              
Dividends — preferred stock $ (69)                 (31) (31) $ (38) $ (38)
Preferred stock, shares outstanding, balance at end of period (in shares) at Sep. 30, 2021 10,700   11,000                    
Common stock, shares outstanding, balance at end of period (in shares) at Sep. 30, 2021       568,761,000                  
Stockholders' equity, balance at end of period at Sep. 30, 2021 $ 13,263   $ 1,056 $ 6 4,345 23,846   (68) (15,922)        
Preferred stock, shares outstanding, balance at beginning of period (in shares) at Jun. 30, 2021     11,000                    
Common stock, shares outstanding, balance at beginning of period (in shares) at Jun. 30, 2021       568,693,000                  
Stockholders' equity, balance at beginning of period at Jun. 30, 2021 13,171   $ 1,056 $ 6 4,319 22,936   (39) (15,107)        
Increase (Decrease) in Stockholders' Equity [Roll Forward]                          
Net income 1,091         1,091              
Other comprehensive loss (29)             (29)          
Purchases of treasury stock (815)               (815)        
Common stock issued under employee benefit plans (in shares)       21,000                  
Common stock issued under employee benefit plans 2     $ 0 2                
Common stock issued and stock-based compensation expense (in shares)       47,000                  
Common stock issued and stock-based compensation expense 24     $ 0 24                
Dividends — common stock (151)         (151)              
Dividends — preferred stock $ (30)                 $ (15) $ (15) $ (15) $ (15)
Preferred stock, shares outstanding, balance at end of period (in shares) at Sep. 30, 2021 10,700   11,000                    
Common stock, shares outstanding, balance at end of period (in shares) at Sep. 30, 2021       568,761,000                  
Stockholders' equity, balance at end of period at Sep. 30, 2021 $ 13,263   $ 1,056 $ 6 $ 4,345 $ 23,846   $ (68) $ (15,922)        
XML 18 R7.htm IDEA: XBRL DOCUMENT v3.21.2
Condensed Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Dividends declared, common stock (dollars per share) $ 0.50 $ 0.44 $ 1.38 $ 1.32
Series C Preferred Stock [Member]        
Dividends declared, preferred stock (dollars per share) 2,750 $ 2,750 5,500 $ 5,500
Series D Preferred Stock        
Dividends declared, preferred stock (dollars per share) $ 3,063   $ 7,674  
XML 19 R8.htm IDEA: XBRL DOCUMENT v3.21.2
Condensed Consolidated Statements of Cash Flows - USD ($)
$ in Millions
 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Cash flows provided by operating activities    
Net income $ 4,382 $ 342
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses (45) 4,603
Deferred income taxes 388 (600)
Depreciation and amortization 387 362
Amortization of deferred revenues (217) (245)
Net unrealized and realized gains on investments and other assets (531) (40)
Other, net 227 87
Changes in assets and liabilities:    
(Increase) decrease in other assets (273) 212
Increase (decrease) in accrued expenses and other liabilities 359 (158)
Net cash provided by operating activities 4,677 4,563
Cash flows provided by (used for) investing activities    
Maturities of other short-term investments 2,200 0
Purchases of other short-term investments 0 (8,046)
Maturities of available-for-sale investment securities 1,709 724
Purchases of available-for-sale investment securities (9) 0
Maturities of held-to-maturity investment securities 63 34
Purchases of held-to-maturity investment securities (28) (44)
Net principal (disbursed) repaid on loans originated for investment (255) 5,316
Proceeds from the sale of available-for-sale securities 5 0
Proceeds from the sale of other investments 0 94
Purchases of other investments (108) (54)
Purchases of premises and equipment (146) (206)
Net cash provided by (used for) investing activities 3,431 (2,182)
Cash flows (used for) provided by financing activities    
Proceeds from issuance of securitized debt 1,731 0
Maturities and repayment of securitized debt (3,445) (2,974)
Proceeds from issuance of other long-term borrowings 0 494
Maturities and repayment of other long-term borrowings (922) (1,754)
Proceeds from issuance of common stock 7 7
Purchases of treasury stock (1,487) (343)
Net (decrease) increase in deposits (4,359) 5,245
Proceeds from issuance of preferred stock, net 0 493
Dividends paid on common and preferred stock (474) (424)
Net cash (used for) provided by financing activities (8,949) 744
Net (decrease) increase in cash, cash equivalents and restricted cash (841) 3,125
Cash, cash equivalents and restricted cash, at the beginning of the period 13,589 6,964
Cash, cash equivalents and restricted cash, at the end of the period 12,748 10,089
Reconciliation of cash, cash equivalents and restricted cash    
Cash and cash equivalents 12,716 9,513
Restricted cash $ 32 $ 576
XML 20 R9.htm IDEA: XBRL DOCUMENT v3.21.2
Background and Basis of Presentation
 9 Months Ended
Sep. 30, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Background and Basis of Presentation Background and Basis of Presentation
Description of Business
Discover Financial Services ("DFS" or the "Company") is a digital banking and payment services company. The Company is a bank holding company under the Bank Holding Company Act of 1956 and a financial holding company under the Gramm-Leach-Bliley Act. Therefore, the Company is subject to oversight, regulation and examination by the Board of Governors of the Federal Reserve System (the "Federal Reserve"). The Company provides digital banking products and services and payment services through its subsidiaries. The Company offers credit card loans, private student loans, personal loans, home loans and deposit products to its customers. The Company also operates the Discover Network, the PULSE network ("PULSE") and Diners Club International ("Diners Club"), collectively known as the Discover Global Network. The Discover Network processes transactions for Discover-branded credit and debit cards and provides payment transaction processing and settlement services. PULSE operates an electronic funds transfer network, providing financial institutions issuing debit cards on the PULSE network with access to ATMs domestically and internationally and merchant acceptance throughout the United States for debit card transactions. Diners Club is a global payments network of licensees, which are generally financial institutions, that issue Diners Club branded credit and charge cards and/or provide card acceptance services.
The Company manages its business activities in two segments, Digital Banking and Payment Services, based on the products and services provided. See Note 17: Segment Disclosures for a detailed description of each segment's operations and the allocation conventions used in business segment reporting.
Basis of Presentation
The accompanying condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States ("GAAP") for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete consolidated financial statements. In the opinion of management, the financial statements reflect all adjustments necessary for the fair presentation of results for the interim period. All such adjustments are of a normal, recurring nature. The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect the amounts reported in the condensed consolidated financial statements and related disclosures. These estimates are based on information available as of the date of the condensed consolidated financial statements. The Company believes that the estimates used in the preparation of the condensed consolidated financial statements are reasonable. Actual results could differ from these estimates. These interim condensed consolidated financial statements should be read in conjunction with the Company's 2020 audited consolidated financial statements filed with the Company's annual report on Form 10-K for the year ended December 31, 2020.
XML 21 R10.htm IDEA: XBRL DOCUMENT v3.21.2
Investments
 9 Months Ended
Sep. 30, 2021
Investments, Debt and Equity Securities [Abstract]  
Investments Investments
The Company's other short-term investments and investment securities consist of the following (dollars in millions):
September 30,
2021		December 31,
2020
United States Treasury bills(1)
$— $2,200 
Total other short-term investments$— $2,200 
United States Treasury(2) and U.S. GSE(3) securities
$7,580 $9,354 
Residential mortgage-backed securities - Agency(3)
434 560 
Total investment securities$8,014 $9,914 
(1)Includes United States Treasury bills with maturity dates greater than 90 days but less than one year at the time of acquisition.
(2)Includes $56 million and $117 million of United States Treasury securities pledged as swap collateral as of September 30, 2021 and December 31, 2020, respectively.
(3)Consists of securities issued by Fannie Mae, Freddie Mac, Ginnie Mae, or the Federal Home Loan Bank.
The amortized cost, gross unrealized gains and losses and fair value of available-for-sale and held-to-maturity investment securities are as follows (dollars in millions):
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
At September 30, 2021
Available-for-Sale Investment Securities(1)
United States Treasury and U.S. GSE securities$7,362 $218 $— $7,580 
Residential mortgage-backed securities - Agency204 7 — 211 
Total available-for-sale investment securities$7,566 $225 $— $7,791 
Held-to-Maturity Investment Securities(2)
Residential mortgage-backed securities - Agency(3)
$223 $5 $(1)$227 
Total held-to-maturity investment securities$223 $5 $(1)$227 
At December 31, 2020
Available-for-Sale Investment Securities(1)
United States Treasury securities$8,987 $367 $— $9,354 
Residential mortgage-backed securities - Agency290 10 — 300 
Total available-for-sale investment securities$9,277 $377 $— $9,654 
Held-to-Maturity Investment Securities(2)
Residential mortgage-backed securities - Agency(3)
$260 $9 $— $269 
Total held-to-maturity investment securities$260 $9 $— $269 
(1)Available-for-sale investment securities are reported at fair value.
(2)Held-to-maturity investment securities are reported at amortized cost.
(3)Amounts represent residential mortgage-backed securities ("RMBS") that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.
The Company invests in United States Treasury obligations and securities issued by government agencies and government-sponsored enterprises of the United States of America ("U.S. GSEs"), which have long histories with no credit losses and are explicitly or implicitly guaranteed by the United States government. Therefore, management has concluded that there is no expectation of non-payment on its investment securities and does not record an allowance for credit losses on these investments.
At September 30, 2021, there were three investment securities with an aggregate fair value of $118 million that had an immaterial aggregate gross unrealized loss for less than 12 months and no securities in an unrealized loss position for more than 12 months. As of December 31, 2020, there were no investment securities with aggregate gross unrealized losses.
During the three and nine months ended September 30, 2021, the Company received $5 million of proceeds from the sale of available-for-sale securities. As a result of the sale, the Company recognized an immaterial gain during the three and nine months ended September 30, 2021. There were no proceeds from sales or recognized gains and losses on available-for-sale securities during the three and nine months ended September 30, 2020. See Note 9: Accumulated Other Comprehensive Income for unrealized gains and losses on available-for-sale securities during the three and nine months ended September 30, 2021 and 2020.
Maturities of available-for-sale debt securities and held-to-maturity debt securities are provided in the following table (dollars in millions):
At September 30, 2021One Year
or
Less		After One
Year
Through
Five Years		After Five
Years
Through
Ten Years		After Ten
Years		Total
Available-for-Sale Investment Securities—Amortized Cost
United States Treasury and U.S. GSE securities$2,616 $4,737 $9 $— $7,362 
Residential mortgage-backed securities - Agency(1)
2 21 174 7 204 
Total available-for-sale investment securities$2,618 $4,758 $183 $7 $7,566 
Held-to-Maturity Investment Securities—Amortized Cost
Residential mortgage-backed securities - Agency(1)
$— $— $— $223 $223 
Total held-to-maturity investment securities$— $— $— $223 $223 
Available-for-Sale Investment Securities—Fair Values
United States Treasury and U.S. GSE securities$2,641 $4,931 $8 $— $7,580 
Residential mortgage-backed securities - Agency(1)
2 21 180 8 211 
Total available-for-sale investment securities$2,643 $4,952 $188 $8 $7,791 
Held-to-Maturity Investment Securities—Fair Values
Residential mortgage-backed securities - Agency(1)
$— $— $— $227 $227 
Total held-to-maturity investment securities$— $— $— $227 $227 
(1)Maturities of RMBS are reflective of the contractual maturities of the investment.
Other Investments
As a part of the Company's community reinvestment initiatives, the Company has made equity investments in certain limited partnerships and limited liability companies that finance the construction and rehabilitation of affordable rental housing and stimulate economic development in low- to moderate-income communities. These investments are accounted for using the equity method of accounting and are recorded within other assets. The related commitment for future investments is recorded in accrued expenses and other liabilities within the condensed consolidated statements of financial condition. The portion of each investment's operating results allocable to the Company reduces the carrying value of the investments and is recorded in other expense within the condensed consolidated statements of income. The Company further reduces the carrying value of the investments by recognizing any amounts that are in excess of future net tax benefits in other expense. The Company earns a return primarily through tax credits allocated to the affordable housing projects and the community revitalization projects. The Company does not consolidate these investments as the Company does not have a controlling financial interest in the investee entities. As of September 30, 2021 and December 31, 2020, the Company had outstanding investments in these entities of $366 million and $353 million, respectively, and related contingent liabilities for unconditional and legally binding delayed equity contributions of $64 million and $93 million, respectively. Of the above outstanding equity investments, the Company had $324 million of investments related to affordable housing projects as of September 30, 2021 and December 31, 2020, which had $52 million and $79 million of related contingent liabilities for unconditional and legally binding delayed equity contributions, respectively.
The Company holds non-controlling equity positions in several payment services entities. Most of these investments are not subject to equity method accounting because the Company does not have significant influence over the investee. The common or preferred equity securities that the Company holds typically do not have readily determinable fair values. As a result, the majority of these investments are carried at cost minus impairment, if any. As of September 30, 2021 and December 31, 2020, the carrying value of these investments, which are recorded within other assets on the Company's condensed consolidated statements of financial condition, was $31 million and $35 million, respectively.
The Company also holds non-controlling equity positions in payment service entities that have actively traded stock and therefore have readily determinable fair values. As a result, these investments are carried at fair value based on the quoted share prices. As of September 30, 2021 and December 31, 2020, the carrying value of these investments, which are recorded within other assets on the Company's condensed consolidated statements of financial condition, was $600 million and $8 million, respectively. During the three and nine months ended September 30, 2021, the Company recognized unrealized losses of approximately $167 million and unrealized gains of approximately $562 million, respectively, on the condensed consolidated statements of income related to these investments. The Company recognized no unrealized losses or gains during the three and nine months ended September 30, 2020.
XML 22 R11.htm IDEA: XBRL DOCUMENT v3.21.2
Loan Receivables
 9 Months Ended
Sep. 30, 2021
Receivables [Abstract]  
Loan Receivables Loan Receivables
The Company has two loan portfolio segments: credit card loans and other loans.
The Company's classes of receivables within the two portfolio segments are depicted in the following table (dollars in millions):
September 30,
2021		December 31,
2020
Credit card loans(1)(2)
$70,320 $71,472 
Other loans(3)
Private student loans(4)
10,184 9,954 
Personal loans6,890 7,177 
Other loans2,148 1,846 
Total other loans19,222 18,977 
Total loan receivables89,542 90,449 
Allowance for credit losses(6,861)(8,226)
Net loan receivables$82,681 $82,223 
(1)Amounts include carrying values of $12.9 billion and $16.7 billion underlying investors' interest in trust debt at September 30, 2021 and December 31, 2020, respectively, and $11.6 billion and $10.6 billion in seller's interest at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
(2)Unbilled accrued interest receivable on credit card loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $379 million and $420 million at September 30, 2021 and December 31, 2020, respectively.
(3)Accrued interest receivable on private student, personal and other loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $503 million, $41 million and $6 million, respectively, at September 30, 2021 and $469 million, $49 million and $6 million, respectively, at December 31, 2020.
(4)Amounts include carrying values of $215 million and $250 million in loans pledged as collateral against the notes issued from a private student loan securitization trust at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
Credit Quality Indicators
As part of credit risk management activities, on an ongoing basis, the Company reviews information related to the performance of a customer's account with the Company and information from credit bureaus, such as FICO or other credit scores, relating to the customer's broader credit performance. The Company actively monitors key credit quality indicators, including FICO scores and delinquency status, for credit card, private student and personal loans. These indicators are important to understand the overall credit performance of the Company's customers and their ability to repay.
FICO scores are generally obtained at the origination of the account and are refreshed monthly or quarterly thereafter to assist in predicting customer behavior. Historically, the Company has noted that accounts with FICO scores below 660 have larger delinquencies and credit losses than those with higher credit scores.
The following table provides the distribution of the amortized cost basis (excluding accrued interest receivable presented in other assets) by the most recent FICO scores available for the Company's customers for credit card, private student and personal loan receivables (dollars in millions):
Credit Risk Profile by FICO Score
September 30, 2021December 31, 2020
 660 and AboveLess than 660
or No Score		660 and AboveLess than 660
or No Score
$%$%$%$%
Credit card loans(1)
$59,005 84 %$11,315 16 %$58,950 82 %$12,522 18 %
Private student loans by origination year(2)(3)
2021$1,011 94 %$70 6 %
20201,593 97 %54 3 %$1,173 95 %$60 5 %
20191,485 96 %56 4 %1,659 96 %61 4 %
20181,185 95 %58 5 %1,365 96 %61 4 %
2017898 95 %52 5 %1,052 95 %57 5 %
Prior3,521 95 %201 5 %4,219 94 %247 6 %
Total private student loans$9,693 95 %$491 5 %$9,468 95 %$486 5 %
Personal loans by origination year
2021$2,541 99 %$18 1 %
20201,921 98 %37 2 %$2,880 99 %$25 1 %
20191,291 95 %66 5 %2,183 96 %90 4 %
2018550 92 %51 8 %1,018 92 %90 8 %
2017276 88 %36 12 %558 89 %69 11 %
Prior87 84 %16 16 %227 86 %37 14 %
Total personal loans$6,666 97 %$224 3 %$6,866 96 %$311 4 %
(1)Amounts include $881 million and $1.0 billion of revolving line-of-credit arrangements that were converted to term loans as a result of a troubled debt restructuring ("TDR") program as of September 30, 2021 and December 31, 2020, respectively.
(2)A majority of private student loan originations occur in the third quarter and disbursements can span multiple calendar years.
(3)FICO score represents the higher credit score of the cosigner or borrower.
Delinquencies are an indicator of credit quality at a point in time. A loan balance is considered delinquent when contractual payments on the loan become 30 days past due.
The amortized cost basis (excluding accrued interest receivable presented in other assets) of delinquent loans in the Company's loan portfolio is shown below for credit card, private student and personal loan receivables (dollars in millions):
September 30, 2021December 31, 2020
30-89 Days
Delinquent		90 or
More Days
Delinquent		Total Past
Due		30-89 Days
Delinquent		90 or
More Days
Delinquent		Total Past
Due
Credit card loans$573 $467 $1,040 $739 $739 $1,478 
Private student loans by origination year(1)
2021$— $— $— 
20204 1 5 $— $— $— 
201911 2 13 3 1 4 
201814 4 18 9 3 12 
201715 5 20 12 4 16 
Prior78 24 102 86 20 106 
Total private student loans$122 $36 $158 $110 $28 $138 
Personal loans by origination year
2021$2 $— $2 
20207 2 9 $5 $2 $7 
201912 5 17 18 9 27 
20188 3 11 15 7 22 
20175 2 7 10 5 15 
Prior2 1 3 5 2 7 
Total personal loans$36 $13 $49 $53 $25 $78 
(1)Private student loans may include a deferment period, during which customers are not required to make payments while enrolled in school at least half time as determined by the school. During a deferment period, these loans do not advance into delinquency.
Allowance for Credit Losses
The following tables provide changes in the Company's allowance for credit losses (dollars in millions):
For the Three Months Ended September 30, 2021
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at June 30, 2021$5,409 $828 $745 $44 $7,026 
Additions
Provision for credit losses(1)
178 46 (64)— 160 
Deductions
Charge-offs(495)(23)(38)— (556)
Recoveries206 6 19 — 231 
Net charge-offs(289)(17)(19)— (325)
Balance at September 30, 2021$5,298 $857 $662 $44 $6,861 
For the Three Months Ended September 30, 2020
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at June 30, 2020$6,491 $799 $857 $37 $8,184 
Additions
Provision for credit losses(1)
604 55 49 2 710 
Deductions
Charge-offs(759)(20)(62)(1)(842)
Recoveries155 6 13 — 174 
Net charge-offs(604)(14)(49)(1)(668)
Balance at September 30, 2020$6,491 $840 $857 $38 $8,226 
For the Nine Months Ended September 30, 2021
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at December 31, 2020$6,491 $840 $857 $38 $8,226 
Additions
Provision for credit losses(1)
(18)61 (96)6 (47)
Deductions
Charge-offs(1,778)(63)(150)— (1,991)
Recoveries603 19 51 — 673 
Net charge-offs(1,175)(44)(99)— (1,318)
Balance at September 30, 2021$5,298 $857 $662 $44 $6,861 
For the Nine Months Ended September 30, 2020
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at December 31, 2019(2)
$2,883 $148 $348 $4 $3,383 
Cumulative effect of ASU No. 2016-13 adoption(3)
1,667 505 265 24 2,461 
Balance at January 1, 20204,550 653 613 28 5,844 
Additions
Provision for credit losses(1)
3,916 233 426 11 4,586 
Deductions
Charge-offs(2,480)(62)(224)(1)(2,767)
Recoveries505 16 42 — 563 
Net charge-offs(1,975)(46)(182)(1)(2,204)
Balance at September 30, 2020$6,491 $840 $857 $38 $8,226 
(1)Excludes a $25 million and $40 million reclassification of the liability for expected credit losses on unfunded commitments for the three months ended September 30, 2021 and 2020, respectively, and $2 million and $17 million for the nine months ended September 30, 2021 and 2020, respectively, as the liability is recorded in accrued expenses and other liabilities in the Company's condensed consolidated statements of financial condition.
(2)Prior to the adoption of Accounting Standards Update ("ASU") No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.
(3)Represents the adjustment to the allowance for credit losses due to the adoption of ASU No. 2016-13 on January 1, 2020.
The allowance for credit losses was approximately $6.9 billion at September 30, 2021, which reflects a $165 million release from the amount of the allowance for credit losses at June 30, 2021 and a $1.4 billion release from the amount of the allowance for credit losses at December 31, 2020.
The release in the allowance for credit losses between September 30, 2021 and June 30, 2021, was primarily driven by improving macroeconomic forecasts and continued stable credit performance, partially offset by modest loan growth during the period. The modest growth in loan receivables during the three months ended September 30, 2021, was driven by the robust credit card sales trends as coronavirus disease 2019 ("COVID-19") restrictions continue to ease and the United States economy continues to more fully reopen. Additionally, credit card sales from new accounts and seasonality in private student loan originations contributed to an increase in ending outstanding loan receivables. The loan receivables growth was partially offset by elevated payment rates resulting from the several rounds of government stimulus and associated improvement in household cash flows.
The release in the allowance for credit losses between September 30, 2021 and December 31, 2020, was primarily driven by improvements in the macroeconomic forecast and continued stable credit performance. The release was also partially driven by a moderate reduction in loan receivables outstanding during the period. The decrease in outstanding loan receivables, particularly credit card and personal loan receivables, and the stable credit performance, were driven by elevated payment rates resulting from the several rounds of government stimulus and associated improvement in household cash flows. The decrease in outstanding loan receivables was partially offset by the robust credit card sales trends during the period and seasonality in private student loan originations in the third quarter of 2021.
In estimating the allowance at September 30, 2021, the Company used a macroeconomic forecast that projected (i) a peak unemployment rate of 6.1%, decreasing to 5.5% and 4.0% through the end of 2021 and 2022, respectively; and (ii) a 6.4% and 3.5% annualized growth in the real gross domestic product for 2021 and 2022, respectively. Labor market conditions, which historically have been an important determinant of credit loss trends, continue to improve despite the spread of the COVID-19 delta variant. However, the unemployment rate and initial and continuing jobless claims remain moderately elevated relative to pre-pandemic levels. In estimating expected credit losses, the Company considered the uncertainties associated with borrower behavior, payment trends and credit performance subsequent to the expiration of government stimulus programs, such as the Coronavirus Aid, Relief, and Economic Security Act ("CARES Act") and the American Rescue Plan Act of 2021 ("ARPA"), and disaster relief programs, such as foreclosure moratoriums and federal student loan and mortgage payment forbearance. During the third quarter of 2021, several disaster relief programs expired or were rescinded entirely. As the government's response to the pandemic wanes, there is uncertainty regarding the sustainability of the recent credit quality trends in the Company's loan receivables portfolio. Accordingly, the estimation of the allowance for credit losses has required significant management judgment.
Company-initiated loan modification programs include those specifically offered in response to the COVID-19 pandemic as well as existing programs offered to customers experiencing difficulty making their payments. In addition to the Skip-a-Pay (payment deferral) ("SaP") programs, which ended on August 31, 2020, the Company has other modification programs that customers have utilized during the period related to the pandemic. The Company evaluated the accounts using these modifications as a result of the COVID-19 pandemic for potential exclusion from the TDR designation either due to the insignificance of the concession or because they qualified for an exemption pursuant to the CARES Act. The effects of all modifications, including TDRs, loan modifications exempt from the TDR designation pursuant to the CARES Act and SaP programs, are considered as part of the process for determining the allowance for credit losses.
The forecast period the Company deemed reasonable and supportable was 18 months for all periods presented except March 31, 2020, where the forecast period was 12 months due to the uncertainty caused by the rapidly changing economic environment experienced at the onset of the COVID-19 pandemic. The 18-month reasonable and supportable forecast period was deemed appropriate based on the observed economic phase transition from recovery to expansion and the associated stabilization of macroeconomic forecasts. For all periods presented, the Company determined that a reversion period of 12 months was appropriate for similar reasons. Due to the uncertainties associated with borrower behavior resulting from government stimulus and disaster relief programs, the Company applied a weighted reversion method to provide a more reasonable transition to historical losses for all loan products for all periods presented with the following exceptions: at March 31, 2020 and December 31, 2019, the Company applied a straight-line method for all loan products. At June 30, 2020, the Company applied a weighted reversion method for credit card loans and a straight-line method for all other loan products.
The decrease in net charge-offs for credit card and personal loans for the three and nine months ended September 30, 2021, when compared to the same periods in 2020, was primarily due to the impacts of government stimulus and disaster relief programs and to a lesser extent improved collection and recovery strategies. Additionally, the decrease in net charge-
offs of personal loans for the three and nine months ended September 30, 2021, were favorably impacted by tighter underwriting standards that were implemented in early 2020. Net charge-offs for private student loans remained relatively flat for the three and nine months ended September 30, 2021, when compared to the same period in 2020, due to the impacts of government stimulus and disaster relief programs.
Net charge-offs of principal are recorded against the allowance for credit losses, as shown in the preceding table. Information regarding net charge-offs of interest and fee revenues on credit card and other loans is as follows (dollars in millions): 
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Interest and fees accrued subsequently charged-off, net of recoveries (recorded as a reduction of interest income)$57 $114 $232 $393 
Fees accrued subsequently charged-off, net of recoveries (recorded as a reduction to other income)$15 $27 $59 $95 
Delinquent and Non-Accruing Loans
The amortized cost basis (excluding accrued interest receivable presented in other assets) of delinquent and non-accruing loans in the Company's loan portfolio is shown below for each class of loan receivables (dollars in millions):
30-89 Days
Delinquent		90 or
More Days
Delinquent		Total Past
Due		90 or
More Days
Delinquent
and
Accruing
Total
Non-accruing(1)
At September 30, 2021
Credit card loans$573 $467 $1,040 $430 $201 
Other loans
Private student loans122 36 158 35 8 
Personal loans36 13 49 12 9 
Other loans5 6 11 2 14 
Total other loans163 55 218 49 31 
Total loan receivables$736 $522 $1,258 $479 $232 
At December 31, 2020
Credit card loans$739 $739 $1,478 $687 $209 
Other loans
Private student loans110 28 138 27 12 
Personal loans53 25 78 23 12 
Other loans8 3 11 — 10 
Total other loans171 56 227 50 34 
Total loan receivables$910 $795 $1,705 $737 $243 
(1)The Company estimates that the gross interest income that would have been recorded under the original terms of non-accruing credit card loans was $6 million and $7 million for the three months ended September 30, 2021 and 2020, respectively, and $21 million and $25 million for the nine months ended September 30, 2021 and 2020, respectively. The Company does not separately track the amount of gross interest income that would have been recorded under the original terms of loans. Instead, the Company estimated this amount based on customers' current balances and most recent interest rates.
Troubled Debt Restructurings
The Company has internal loan modification programs that provide relief to credit card, private student and personal loan borrowers who may be experiencing financial hardship. The Company considers a modified loan in which a concession has been granted to the borrower to be a TDR based on the cumulative length of the concession period and credit quality of the borrower. The Company evaluates new programs to determine which of them meet the definition of a TDR, including modification programs provided to customers for temporary relief due to the economic impacts of the COVID-19 pandemic. The internal loan modification programs include both temporary and permanent programs, which vary by product. External loan modification programs are also available for credit card and personal loans. All loans modified in a temporary modification program, including those specifically created in response to the COVID-19 pandemic, are evaluated for
exclusion from the TDR designation either due to the insignificance of the concession or because they qualify for exemption pursuant to the CARES Act. To the extent the loan accounts do not meet the requirements for exclusion, temporary and permanent modifications on credit card and personal loans, as well as temporary modifications on private student loans and certain grants of private student loan forbearance, result in the loans being classified as TDRs. In addition, loans that defaulted from, or successfully completed a loan modification program or forbearance, continue to be classified as TDRs, except as noted below. See the table below that presents the carrying value of loans that experienced a payment default during the period for more information.
For credit card customers, the Company offers both temporary and permanent hardship programs. The temporary hardship programs consist of an interest rate reduction and, in some cases, a reduced minimum payment, both lasting for a period no longer than 12 months. Charging privileges on these accounts are generally suspended while in the program. However, if the customer meets certain criteria, charging privileges may be reinstated following completion of the program. Credit card accounts of borrowers who have previously participated in a temporary interest rate reduction program and have both demonstrated financial stability and had their charging privileges reinstated at a market-based interest rate, are excluded from the balance of TDRs.
The permanent modification program involves closing the account, changing the loan structure to a fixed payment loan with a maturity no longer than 72 months and reducing the interest rate on the loan. The permanent modification program does not typically provide for the forgiveness of unpaid principal but may allow for the reversal of certain unpaid interest or fee assessments. The Company also makes permanent loan modifications for customers who request financial assistance through external sources, such as a consumer credit counseling agency program. These loans typically receive a reduced interest rate, typically continue to be subject to the original minimum payment terms and do not normally include waiver of unpaid principal, interest or fees. These permanent loan modifications remain in the population of TDRs until they are paid off or charged off.
At September 30, 2021 and December 31, 2020, there were $5.3 billion and $5.7 billion, respectively, of private student loans in repayment and $63 million and $117 million, respectively, in forbearance. To assist private student loan borrowers who are experiencing temporary financial difficulties but are willing to resume making payments, the Company may offer hardship forbearance, payment deferral, a temporary payment reduction, a temporary interest rate reduction or extended terms. A modified loan typically meets the definition of a TDR based on the cumulative length of the concession period and a determination of financial distress based on an evaluation of the borrower's credit quality using FICO scores.
For personal loan customers, the Company offers various payment programs, including temporary and permanent programs, in certain situations. The temporary programs normally consist of reducing the minimum payment for no longer than 12 months. Further, the interest rate on the loan is reduced in certain circumstances. The permanent programs involve extending the loan term and, in certain circumstances, reducing the interest rate on the loan. The total term of the loan, including modification, may not exceed nine years. The Company also allows permanent loan modifications for customers who request financial assistance through external sources, similar to the credit card customers discussed above. Payments are modified based on the new terms agreed upon with the credit counseling agency. Personal loans included in temporary and permanent programs are classified as TDRs.
The Company monitors borrower performance after using payment programs or forbearance. The Company believes the programs are useful in assisting customers experiencing financial difficulties and allowing them to make timely payments. In addition to helping customers with their credit needs, these programs are designed to maximize collections and ultimately the Company’s profitability. The Company plans to continue to use payment programs and forbearance to provide relief to customers experiencing temporary financial difficulties and expects to have additional loans classified as TDRs in the future as a result.
To evaluate the primary financial effects that resulted from credit card loans entering into a TDR program during the three and nine months ended September 30, 2021 and 2020, the Company quantified the amount by which interest and fees were reduced during the periods. During the three months ended September 30, 2021 and 2020, the Company forgave approximately $7 million and $13 million, respectively, of interest and fees resulting from accounts entering into a credit card loan TDR program. During the nine months ended September 30, 2021 and 2020, the Company forgave approximately $28 million and $52 million, respectively, of interest and fees resulting from accounts entering into a credit card loan TDR program. For all loan products, interest income on modified loans is recognized based on the modified contractual terms.
Section 4013 of the CARES Act provides certain financial institutions with the option to suspend the application of accounting and reporting guidance for TDRs for a limited period of time for loan modifications made to address the effects of
the COVID-19 pandemic. Section 541 of the Omnibus and COVID Relief and Response Act extended the loan modification relief provided by the CARES Act through the earlier of January 1, 2022, or the date that is 60 days after the termination of the presidentially-declared national emergency. The Company has elected to apply the option to suspend the application of accounting guidance for TDRs as provided under Section 4013 of the CARES Act and as subsequently extended. As such, TDR program balances and the number of accounts have been favorably impacted by the exclusion of certain modifications from the TDR designation pursuant to these exemptions and are expected to remain lower than they otherwise would have been.
The following table provides information on loans that entered a TDR program during the period (dollars in millions):
For the Three Months Ended September 30,
20212020
Number of AccountsBalancesNumber of AccountsBalances
Accounts that entered a TDR program during the period
Credit card loans(1)
13,964 $86 20,779 $150 
Private student loans102 $2 118 $2 
Personal loans888 $10 2,505 $33 
For the Nine Months Ended September 30,
20212020
Number of AccountsBalancesNumber of AccountsBalances
Accounts that entered a TDR program during the period
Credit card loans(1)
48,887 $315 130,869 $875 
Private student loans355 $7 1,767 $32 
Personal loans3,102 $38 6,315 $83 
(1)Accounts that entered a credit card TDR program include $72 million and $143 million that were converted from revolving line-of-credit arrangements to term loans during the three months ended September 30, 2021 and 2020, respectively, and $288 million and $529 million for the nine months ended September 30, 2021 and 2020, respectively.
The number and balance of new credit card and personal loan modifications, including the combined total of those identified as TDRs and those exempt from the TDR designation, decreased during the three and nine months ended September 30, 2021, when compared to the same periods in 2020. The decrease in both periods is primarily due to the impacts of several rounds of government stimulus and disaster relief programs, which reduced the need for customers to enroll in a loan modification program. The number and balance of loan modifications across all products, including the combined total of those identified as TDRs and those exempt from the TDR designation, during the three and nine months ended September 30, 2020, were favorably impacted by the utilization of SaP programs in lieu of traditional loan modification programs. Additionally, enrollments in personal loan modification programs were favorably impacted by tighter underwriting standards that were implemented in early 2020.
The following table presents the carrying value of loans that experienced a default during the period that had been modified in a TDR during the 15 months preceding the end of each period (dollars in millions):
For the Three Months Ended September 30,
20212020
Number of AccountsAggregated Outstanding Balances Upon DefaultNumber of AccountsAggregated Outstanding Balances Upon Default
TDRs that subsequently defaulted
Credit card loans(1)(2)
3,679 $21 8,983 $52 
Private student loans(3)
83 $2 272 $6 
Personal loans(2)
399 $6 624 $9 
For the Nine Months Ended September 30,
20212020
Number of AccountsAggregated Outstanding Balances Upon DefaultNumber of AccountsAggregated Outstanding Balances Upon Default
TDRs that subsequently defaulted
Credit card loans(1)(2)
14,205 $84 41,285 $235 
Private student loans(3)
214 $5 876 $18 
Personal loans(2)
1,287 $18 2,446 $36 
(1)For credit card loans that default from a temporary program, accounts revert to the pre-modification terms and charging privileges remain suspended in most cases.
(2)For credit card loans and personal loans, a customer defaults from a loan modification program after either two consecutive missed payments or at charge-off, depending on the program. The outstanding balance upon default is generally the loan balance at the end of the month prior to default.
(3)For student loans, a customer defaults from a loan modification after they are 60 or more days delinquent. The outstanding balance upon default is generally the loan balance at the end of the month prior to default.
Of the account balances that defaulted as shown above for the three months ended September 30, 2021 and 2020, approximately 62% and 65%, respectively, and for the nine months ended September 30, 2021 and 2020, approximately 66% and 52%, respectively, of the total balances were charged off at the end of the month in which they defaulted from a TDR program. For accounts that have defaulted from a TDR program and have not been subsequently charged off, the balances are included in the allowance for credit loss analysis discussed above under “— Allowance for Credit Losses.”
XML 23 R12.htm IDEA: XBRL DOCUMENT v3.21.2
Credit Card and Private Student Loan Securitization Activities
 9 Months Ended
Sep. 30, 2021
Variable Interest Entities Disclosure [Abstract]  
Credit Card and Private Student Loan Securitization Activities Credit Card and Private Student Loan Securitization Activities
The Company's securitizations are accounted for as secured borrowings and the related trusts are treated as consolidated subsidiaries of the Company. For a description of the Company's principles of consolidation with respect to VIEs, see Note 1: Background and Basis of Presentation to the consolidated financial statements in the Company's annual report on Form 10-K for the year ended December 31, 2020.
Credit Card Securitization Activities
The Company accesses the term asset securitization market through the Discover Card Master Trust I ("DCMT") and the Discover Card Execution Note Trust ("DCENT"). Credit card loan receivables are transferred into DCMT and beneficial interests in DCMT are transferred into DCENT. DCENT issues debt securities to investors that are reported in long-term borrowings.
The DCENT debt structure consists of four classes of securities (DiscoverSeries Class A, B, C and D notes), with the most senior class generally receiving a triple-A rating. To issue senior, higher-rated classes of notes, it is necessary to obtain the appropriate amount of credit enhancement, generally through the issuance of junior, lower-rated or more highly subordinated classes of notes. Wholly-owned subsidiaries of Discover Bank hold the subordinated classes of notes. The Company is exposed to credit risk associated with trust receivables as of the balance sheet date through the retention of these subordinated interests. The current expected credit loss ("CECL") on trust receivables is included in the allowance for credit losses estimate.
The Company's retained interests in the trust's assets, consisting of investments in DCENT notes held by subsidiaries of Discover Bank, constitute intercompany positions that are eliminated in the preparation of the Company's condensed consolidated statements of financial condition.
Upon transfer of credit card loan receivables to the trust, the receivables and certain cash flows derived from them become restricted for use in meeting obligations to the trust's creditors. Further, the transferred credit card loan receivables are owned by the trust and are not available to the Company's third-party creditors. The trusts have ownership of cash balances, which are reported in restricted cash within the Company's condensed consolidated statements of financial condition. Except for the seller's interest in trust receivables, the Company's interests in trust assets are generally subordinate to the interests of third-party investors in trust debt and, as such, may not be realized by the Company if needed to absorb deficiencies in cash flows that are allocated to those investors. Apart from the restricted assets related to securitization activities, the investors and the securitization trusts have no recourse to the Company's other assets or the Company's general credit for a shortage in cash flows.
The carrying values of these restricted assets, which are presented on the Company's condensed consolidated statements of financial condition as relating to securitization activities, are shown in the following table (dollars in millions):
September 30,
2021		December 31,
2020
Restricted cash$23 $16 
Investors' interests held by third-party investors8,925 10,600 
Investors' interests held by wholly-owned subsidiaries of Discover Bank3,971 6,121 
Seller's interest11,640 10,575 
Loan receivables(1)
24,536 27,296 
Allowance for credit losses allocated to securitized loan receivables(1)
(1,436)(1,936)
Net loan receivables23,100 25,360 
Other3 3 
Carrying value of assets of consolidated variable interest entities$23,126 $25,379 
(1)The Company maintains its allowance for credit losses at an amount equal to lifetime expected credit losses associated with all loan receivables, which includes all loan receivables in the trusts. Therefore, the credit risk associated with the transferred receivables is fully reflected on the Company's statements of financial condition in accordance with GAAP.
The debt securities issued by the consolidated trusts are subject to credit, payment and interest rate risks on the transferred credit card loan receivables. To protect investors in the securities, certain features or triggering events will cause an early amortization of the debt securities, including triggers related to the impact of the performance of the trust receivables on the availability and adequacy of cash flows to meet contractual requirements. As of September 30, 2021, no economic or other early amortization events have occurred.
The Company continues to own and service the accounts that generate the loan receivables held by the trusts. Discover Bank receives servicing fees from the trusts based on a percentage of the monthly investor principal balance outstanding. Although the fee income to Discover Bank offsets the fee expense to the trusts and thus is eliminated in consolidation, failure to service the transferred loan receivables in accordance with contractual requirements could lead to a termination of the servicing rights and the loss of future servicing income, net of related expenses.
Private Student Loan Securitization Activities
Private student loan trust receivables are reported in loan receivables and the related debt issued by the trust is reported in long-term borrowings. The trust assets are restricted from being sold or pledged as collateral for other borrowings and the cash flows from these restricted assets may be used only to pay obligations of the trusts. Except for the trust's restricted assets, the trust and investors have no recourse to the Company's other assets or the Company's general credit for a shortage in cash flows.
Principal payments on the long-term secured borrowings are made as cash is collected on the underlying loans that are collateral on the secured borrowings. The Company does not have access to cash collected by the securitization trust until cash is released in accordance with the trust indenture agreement. Similar to the credit card securitizations, the Company continues to service the private student loan receivables held by the trust and receives servicing fees from the trust based on a percentage of the principal balance outstanding. Although the servicing fee income offsets the fee expense related to the trust
and thus is eliminated in consolidation, failure to service the transferred loan receivables in accordance with contractual requirements could lead to a termination of the servicing rights and the loss of future servicing income, net of related expenses.
Under terms of the trust arrangement, the Company has the option, but not the obligation, to provide financial support to the trust, but has never provided such support. A substantial portion of the credit risk associated with the securitized loans has been transferred to a third party under an indemnification arrangement.
The carrying values of these restricted assets, which are presented on the Company's condensed consolidated statements of financial condition as relating to securitization activities, are shown in the following table (dollars in millions): 
 September 30,
2021		December 31,
2020
Restricted cash$9 $9 
Private student loan receivables215 250 
Carrying value of assets of consolidated variable interest entities$224 $259 
XML 24 R13.htm IDEA: XBRL DOCUMENT v3.21.2
Intangible Assets (Notes)
 9 Months Ended
Sep. 30, 2021
Intangible Assets [Abstract]  
Intangible Assets Intangible Assets
In the second quarter of 2020, the Company conducted an interim impairment test on its non-amortizable intangible assets, both the Diners Club trade names and international transaction processing rights, due to changes in the international travel and entertainment businesses and a declining revenue outlook for the foreseeable future resulting from the COVID-19 pandemic. The valuation methodology used to value the trade names and international transaction processing rights was based on a discounted cash flow method, consistent with the methods used for annual impairment testing. As a result of this analysis, the Company determined that the trade names and international transaction processing rights were impaired and recognized charges, in the second quarter of 2020, in its Payment Services segment of $36 million and $23 million, respectively. The impairments were recorded in other expense.
In the second quarter of 2021, global travel and entertainment spending continued to trend lower than pre-pandemic levels. As a result, the Company re-evaluated that impact on the value of the Diners Club trade names by conducting an interim impairment test on the asset in conjunction with the preparation of the financial statements. The valuation methodology used to value the trade names was based on a discounted cash flow method, consistent with the methods used for annual impairment testing. As a result of this analysis, the Company determined that the trade names were fully impaired and recognized a charge, in the second quarter of 2021, in its Payment Services segment of $92 million. The impairment was recorded in other expense.
At September 30, 2021, the trade names and the international transaction processing rights have no remaining net book value.
XML 25 R14.htm IDEA: XBRL DOCUMENT v3.21.2
Deposits
 9 Months Ended
Sep. 30, 2021
Deposits [Abstract]  
Deposits Deposits
The Company offers its deposit products to customers through two channels: (i) through direct marketing, internet origination and affinity relationships ("direct-to-consumer deposits"); and (ii) indirectly through contractual arrangements with securities brokerage firms ("brokered deposits"). Direct-to-consumer deposits include online savings accounts, certificates of deposit, money market accounts, IRA savings accounts, IRA certificates of deposit and checking/debit accounts. Brokered deposits include certificates of deposit and sweep accounts.
The following table provides a summary of interest-bearing deposit accounts (dollars in millions):
September 30,
2021		December 31,
2020
Certificates of deposit in amounts less than $100,000$14,592 $19,105 
Certificates of deposit in amounts $100,000 or greater(1)
7,239 9,164 
Savings deposits, including money market deposit accounts49,295 47,426 
Total interest-bearing deposits$71,126 $75,695 
(1)Includes $2.0 billion and $2.6 billion in certificates of deposit equal to or greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of September 30, 2021 and December 31, 2020, respectively.
The following table summarizes certificates of deposit in amounts of $100,000 or greater by contractual maturity (dollars in millions):
September 30,
2021
Three months or less$1,458 
Over three months through six months1,640 
Over six months through twelve months2,711 
Over twelve months1,430 
Total$7,239 
The following table summarizes certificates of deposit maturing over the remainder of this year, over each of the next four years and thereafter (dollars in millions):
September 30,
2021
2021$4,171 
202211,133 
20232,663 
20241,451 
2025870 
Thereafter1,543 
Total$21,831 
XML 26 R15.htm IDEA: XBRL DOCUMENT v3.21.2
Long-Term Borrowings
 9 Months Ended
Sep. 30, 2021
Debt Disclosure [Abstract]  
Long-Term Borrowings Long-Term Borrowings
Long-term borrowings consist of borrowings having original maturities of one year or more. The following table provides a summary of the Company's long-term borrowings and weighted-average interest rates on outstanding balances (dollars in millions):
September 30, 2021December 31, 2020
MaturityInterest
Rate		Weighted-Average Interest RateOutstanding AmountOutstanding Amount
Securitized Debt
Fixed-rate asset-backed securities(1)
2022-2026
0.58% - 3.04%
2.01%$5,607 $6,041 
Floating-rate asset-backed securities(2)
2022-2024
0.41% - 0.68%
0.54%3,347 4,669 
Total Discover Card Master Trust I and Discover Card Execution Note Trust8,954 10,710 
Floating-rate asset-backed security(3)(4)
2031
4.25%
4.25%110 130 
Total private student loan securitization trust110 130 
Total long-term borrowings - owed to securitization investors9,064 10,840 
Discover Financial Services (Parent Company)
Fixed-rate senior notes2022-2027
3.75% - 5.20%
4.16%3,370 3,337 
Fixed-rate retail notes2022-2031
2.85% - 4.40%
3.75%166 336 
Discover Bank
Fixed-rate senior bank notes(1)
2023-2030
2.45% - 4.65%
3.63%5,406 6,213 
Fixed-rate subordinated bank notes(1)
2028
4.68%
4.68%510 515 
Total long-term borrowings$18,516 $21,241 
(1)The Company uses interest rate swaps to hedge portions of these long-term borrowings against changes in fair value attributable to changes in the London Interbank Offered Rate ("LIBOR") or Overnight Index Swap ("OIS") Rate. The use of these interest rate swaps impacts the carrying value of the debt. See Note 16: Derivatives and Hedging Activities.
(2)DCENT floating-rate asset-backed securities include issuances with the following interest rate terms: 1-month LIBOR + 33 to 60 basis points as of September 30, 2021.
(3)The private student loan securitization trust floating-rate asset-backed security includes an issuance with the following interest rate term: Prime rate + 100 basis points as of September 30, 2021.
(4)Repayment of this debt depends on the timing of principal and interest payments on the underlying private student loans. The date shown represents the final maturity date.
The following table summarizes long-term borrowings maturing over the remainder of this year, over each of the next four years and thereafter (dollars in millions):
September 30, 2021
2021$— 
20225,188 
20233,324 
20243,738 
2025529 
Thereafter5,737 
Total$18,516 
The Company has access to committed borrowing capacity through private securitizations to support the funding of its credit card loan receivables. As of September 30, 2021, the total commitment of secured credit facilities through private providers was $4.0 billion, none of which was drawn as of September 30, 2021. Access to the unused portions of the secured credit facilities is subject to the terms of the agreements with each of the providers. The secured credit facilities have various expirations in 2023. Borrowings outstanding under each facility bear interest at a margin above LIBOR or the asset-backed commercial paper costs of each provider. The terms of each agreement provide for a commitment fee to be paid on the unused capacity and include various affirmative and negative covenants, including performance metrics and legal requirements similar to those required to issue any term securitization transaction.
XML 27 R16.htm IDEA: XBRL DOCUMENT v3.21.2
Preferred Stock (Notes)
 9 Months Ended
Sep. 30, 2021
Equity [Abstract]  
Preferred Stock Preferred Stock
The table below presents a summary of the Company's non-cumulative perpetual preferred stock that is outstanding at September 30, 2021 (dollars in millions, except per depositary share amounts):
SeriesDescriptionInitial Issuance Date
Liquidation Preference and Redemption Price per Depositary Share(1)
Per Annum Dividend Rate in effect at September 30, 2021
Total Depositary Shares Authorized, Issued and OutstandingCarrying Value
September 30, 2021December 31, 2020September 30, 2021December 31, 2020
C(2)(3)(4)
Fixed-to-Floating Rate10/31/2017$1,000 5.500 %570,000 570,000 $563 $563 
D(2)(5)(6)
Fixed-Rate Reset6/22/2020$1,000 6.125 %500,000 500,000 493 493 
Total Preferred Stock1,070,000 1,070,000 $1,056 $1,056 
(1)Redeemable at the redemption price plus declared and unpaid dividends.
(2)Issued as depositary shares, each representing 1/100th interest in a share of the corresponding series of preferred stock. Each preferred share has a par value of $0.01.
(3)Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part on any dividend payment date on or after October 30, 2027, or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series C preferred stock).
(4)Any dividends declared are payable semi-annually in arrears at a rate of 5.50% per annum until October 30, 2027. Thereafter, dividends declared will be payable quarterly in arrears at a floating rate equal to 3-month LIBOR plus a spread of 3.076% per annum.
(5)Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part during the three-month period prior to, and including, each reset date (as defined in the certificate of designations for the Series D preferred stock) or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series D Preferred Stock).
(6)Any dividends declared are payable semi-annually in arrears at a rate of 6.125% per annum until September 23, 2025, after which the dividend rate will reset every five years to a fixed annual rate equal to the 5-year Treasury plus a spread of 5.783%.
XML 28 R17.htm IDEA: XBRL DOCUMENT v3.21.2
Accumulated Other Comprehensive Income
 9 Months Ended
Sep. 30, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
Accumulated Other Comprehensive Income Accumulated Other Comprehensive IncomeChanges in each component of accumulated other comprehensive income ("AOCI") were as follows (dollars in millions):
Unrealized Gains on Available-for-Sale Investment Securities, Net of TaxLosses on Cash Flow Hedges, Net of TaxLosses on Pension Plan, Net of TaxAOCI
For the Three Months Ended September 30, 2021
Balance at June 30, 2021$198 $(10)$(227)$(39)
Net change(29)— — (29)
Balance at September 30, 2021$169 $(10)$(227)$(68)
For the Three Months Ended September 30, 2020
Balance at June 30, 2020$352 $(16)$(214)$122 
Net change(32)3 — (29)
Balance at September 30, 2020$320 $(13)$(214)$93 
For the Nine Months Ended September 30, 2021
Balance at December 31, 2020$284 $(12)$(227)$45 
Net change(115)2 — (113)
Balance at September 30, 2021$169 $(10)$(227)$(68)
For the Nine Months Ended September 30, 2020
Balance at December 31, 2019$112 $(17)$(214)$(119)
Net change208 4 — 212 
Balance at September 30, 2020$320 $(13)$(214)$93 
The following table presents each component of other comprehensive income ("OCI") before reclassifications and amounts reclassified from AOCI for each component of OCI before- and after-tax (dollars in millions):
Before TaxTax Benefit (Expense)Net of Tax
For the Three Months Ended September 30, 2021
Available-for-Sale Investment Securities
Net unrealized holding losses arising during the period$(38)$9 $(29)
Net change$(38)$9 $(29)
Cash Flow Hedges
Net unrealized gains arising during the period$— $1 $1 
Amounts reclassified from AOCI— (1)(1)
Net change$— $— $— 
For the Three Months Ended September 30, 2020
Available-for-Sale Investment Securities
Net unrealized holding losses arising during the period$(42)$10 $(32)
Net change$(42)$10 $(32)
Cash Flow Hedges
Amounts reclassified from AOCI$4 $(1)$3 
Net change$4 $(1)$3 
For the Nine Months Ended September 30, 2021
Available-for-Sale Investment Securities
Net unrealized holding losses arising during the period$(152)$37 $(115)
Net change$(152)$37 $(115)
Cash Flow Hedges
Net unrealized gains arising during the period$— $1 $1 
Amounts reclassified from AOCI2 (1)1 
Net change$2 $— $2 
For the Nine Months Ended September 30, 2020
Available-for-Sale Investment Securities
Net unrealized holding gains arising during the period$275 $(67)$208 
Net change$275 $(67)$208 
Cash Flow Hedges
Net unrealized losses arising during the period$(7)$3 $(4)
Amounts reclassified from AOCI11 (3)8 
Net change$4 $— $4 
XML 29 R18.htm IDEA: XBRL DOCUMENT v3.21.2
Income Taxes
 9 Months Ended
Sep. 30, 2021
Income Tax Disclosure [Abstract]  
Income Taxes Income Taxes
The following table presents the calculation of the Company's effective income tax rate (dollars in millions):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Income before income taxes$1,402 $959 $5,703 $420 
Income tax expense$311 $188 $1,321 $78 
Effective income tax rate22.2 %19.6 %23.2 %18.6 %
Income tax expense increased $123 million and $1.2 billion for the three and nine months ended September 30, 2021, respectively, as compared to the same periods in 2020. The increase in income tax expense was primarily driven by an increase in pretax income. The effective tax rate increased for the three and nine months ended September 30, 2021, respectively, as compared to the same periods in 2020, primarily due to tax credits having a lower rate benefit on higher pretax income.
The Company is subject to examination by the Internal Revenue Service ("IRS") and tax authorities in various state, local and foreign tax jurisdictions. The IRS is examining the Company's 2018 federal income tax filings. The Company regularly assesses the likelihood of additional assessments or settlements in each of the taxing jurisdictions. At this time, the potential change in unrecognized tax benefits is expected to be immaterial over the next 12 months. The Company believes that its reserves are sufficient to cover any tax, penalties and interest that would result from such examinations.
XML 30 R19.htm IDEA: XBRL DOCUMENT v3.21.2
Earnings Per Share
 9 Months Ended
Sep. 30, 2021
Earnings Per Share [Abstract]  
Earnings Per Share Earnings Per Share
The following table presents the calculation of basic and diluted earnings per share ("EPS") (dollars and shares in millions, except per share amounts):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Numerator
Net income$1,091 $771 $4,382 $342 
Preferred stock dividends(30)(15)(69)(31)
Net income available to common stockholders1,061 756 4,313 311 
Income allocated to participating securities(6)(5)(24)(2)
Net income allocated to common stockholders$1,055 $751 $4,289 $309 
Denominator
Weighted-average shares of common stock outstanding298 306 303 307 
Effect of dilutive common stock equivalents— — — — 
Weighted-average shares of common stock outstanding and common stock equivalents298 306 303 307 
Basic earnings per common share$3.54 $2.45 $14.17 $1.00 
Diluted earnings per common share$3.54 $2.45 $14.16 $1.00 
Anti-dilutive securities were not material and had no impact on the computation of diluted EPS for the three or nine months ended September 30, 2021 and 2020.
XML 31 R20.htm IDEA: XBRL DOCUMENT v3.21.2
Capital Adequacy
 9 Months Ended
Sep. 30, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
Capital Adequacy Capital Adequacy
DFS is subject to the capital adequacy guidelines of the Federal Reserve. Discover Bank, the Company's banking subsidiary, is subject to various regulatory capital requirements as administered by the FDIC. Failure to meet minimum capital requirements can result in the initiation of certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could limit the Company's business activities and have a direct material effect on the financial condition and operating results of DFS and Discover Bank. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, DFS and Discover Bank must meet specific risk-based capital requirements and leverage ratios that involve quantitative measures of assets, liabilities and certain off-balance sheet items, as calculated under regulatory guidelines. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.
DFS and Discover Bank are subject to regulatory and capital rules issued by the Federal Reserve and FDIC, respectively, under the Basel Committee's December 2010 framework ("Basel III rules"). Under the Basel III rules, DFS and Discover Bank are classified as "standardized approach" entities. Standardized approach entities are defined as United States banking organizations with consolidated total assets over $50 billion but not exceeding $250 billion and consolidated total on-balance sheet foreign exposures less than $10 billion.
On March 27, 2020, federal bank regulatory agencies announced an interim and now final rule that allows banks that have implemented the CECL accounting model to delay the estimated impact of CECL on regulatory capital for two years, followed by a three-year transition period. For purposes of calculating regulatory capital, the Company has elected to defer recognition of the estimated impact of CECL on regulatory capital for two years in accordance with the final rule; after that period of deferral, the estimated impact of CECL on regulatory capital will be phased in over three years beginning in 2022. Accordingly, the Company's Common Equity Tier 1 ("CET1") capital ratios in 2020 and 2021 are higher than they otherwise would have been.
As of September 30, 2021 and December 31, 2020, DFS and Discover Bank met all Basel III minimum capital ratio requirements to which they were subject. DFS and Discover Bank also met the requirements to be considered "well-capitalized" under Regulation Y and prompt corrective action rules, respectively. There have been no conditions or events that management believes have changed DFS' or Discover Bank's category. To be categorized as "well-capitalized," DFS and Discover Bank must maintain minimum capital ratios outlined in the table below.
The following table shows the actual capital amounts and ratios of DFS and Discover Bank and comparisons of each to the regulatory minimum and "well-capitalized" requirements (dollars in millions):
 ActualMinimum Capital
Requirements		Capital Requirements
To Be Classified as
Well-Capitalized
 Amount
Ratio(1)
AmountRatio
Amount(2)
Ratio(2)
September 30, 2021
Total capital (to risk-weighted assets)
Discover Financial Services$16,924 18.5 %$7,309 
≥8.0%
$9,136 
≥10.0%
Discover Bank$15,905 17.7 %$7,186 
≥8.0%
$8,982 
≥10.0%
Tier 1 capital (to risk-weighted assets)
Discover Financial Services$15,235 16.7 %$5,482 
≥6.0%
$5,482 
≥6.0%
Discover Bank$13,935 15.5 %$5,389 
≥6.0%
$7,186 
≥8.0%
Tier 1 capital (to average assets)
Discover Financial Services$15,235 13.8 %$4,424 
≥4.0%
N/AN/A
Discover Bank$13,935 12.8 %$4,353 
≥4.0%
$5,441 
≥5.0%
Common Equity Tier 1 (to risk-weighted assets)
Discover Financial Services$14,179 15.5 %$4,111 
≥4.5%
N/AN/A
Discover Bank$13,935 15.5 %$4,042 
≥4.5%
$5,839 
≥6.5%
December 31, 2020
Total capital (to risk-weighted assets)
Discover Financial Services$14,711 16.1 %$7,298 
≥8.0%
$9,123 
≥10.0%
Discover Bank$14,507 16.1 %$7,214 
≥8.0%
$9,018 
≥10.0%
Tier 1 capital (to risk-weighted assets)
Discover Financial Services$13,006 14.3 %$5,474 
≥6.0%
$5,474 
≥6.0%
Discover Bank$12,415 13.8 %$5,411 
≥6.0%
$7,214 
≥8.0%
Tier 1 capital (to average assets)
Discover Financial Services$13,006 10.9 %$4,757 
≥4.0%
N/AN/A
Discover Bank$12,415 10.5 %$4,709 
≥4.0%
$5,886 
≥5.0%
Common Equity Tier 1 (to risk-weighted assets)
Discover Financial Services$11,950 13.1 %$4,105 
≥4.5%
N/AN/A
Discover Bank$12,415 13.8 %$4,058 
≥4.5%
$5,862 
≥6.5%
    
(1)Capital ratios are calculated based on the Basel III standardized approach rules, subject to applicable transition provisions, including CECL transition provisions.
(2)The Basel III rules do not establish well-capitalized thresholds for these measures for bank holding companies. Existing well-capitalized thresholds established in the Federal Reserve's Regulation Y have been included where available.
XML 32 R21.htm IDEA: XBRL DOCUMENT v3.21.2
Commitments, Contingencies and Guarantees
 9 Months Ended
Sep. 30, 2021
Commitments Contingencies and Guarantees [Abstract]  
Commitments, Contingencies and Guarantees Commitments, Contingencies and Guarantees
In the normal course of business, the Company enters into a number of off-balance sheet commitments, transactions and obligations under guarantee arrangements that expose the Company to varying degrees of risk. The Company's commitments, contingencies and guarantee relationships are described below.
Commitments
Unused Credit Arrangements
At September 30, 2021, the Company had unused credit arrangements for loans of approximately $220.1 billion. Such arrangements arise primarily from agreements with customers for unused lines of credit on certain credit cards and certain other loan products, provided there is no violation of conditions in the related agreements. The Company can terminate substantially all of these arrangements at any time and therefore the arrangements do not necessarily represent future cash requirements. The arrangements are periodically reviewed based on account usage, customer creditworthiness and loan qualification. As the Company’s credit card loans are unconditionally cancellable, no liability for expected credit losses is required for unused lines of credit. For all other loans, the Company records a liability for expected credit losses for unfunded
commitments, which is presented as part of accrued expenses and other liabilities in the consolidated statements of financial condition.
Contingencies
See Note 14: Litigation and Regulatory Matters for a description of potential liability arising from pending litigation or regulatory proceedings involving the Company.
Guarantees
The Company has obligations under certain guarantee arrangements, including contracts, indemnification agreements and representations and warranties, which contingently require the Company to make payments to the guaranteed party based on changes in an underlying asset, liability or equity security of a guaranteed party, rate or index. Also included as guarantees are contracts that contingently require the Company to make payments to a guaranteed party based on another entity's failure to perform under an agreement. The Company's use of guarantees is disclosed below by type of guarantee.
Securitizations Representations and Warranties
As part of the Company's financing activities, the Company provides representations and warranties that certain assets pledged as collateral in secured borrowing arrangements conform to specified guidelines. The Company performs due diligence intended to ensure that asset guideline qualifications are met. If the assets pledged as collateral do not meet certain conforming guidelines, the Company might be required to replace, repurchase or sell such assets. For example, in its credit card securitization activities, the Company would replace nonconforming receivables by allocating excess seller's interest or from additional transfers from the unrestricted pool of receivables. If the Company could not add enough receivables to satisfy the requirement, an early amortization (or repayment) of investors' interests would be triggered. In its private student loan securitizations, the Company would generally repurchase the loans from the trust at the outstanding principal amount plus interest.
The maximum potential amount of future payments the Company could be required to make would be equal to the current outstanding balances of third-party investor interests in credit card asset-backed securities and the principal amount of any private student loan secured borrowings, plus any unpaid interest for the corresponding secured borrowings. The Company has recorded substantially all of the maximum potential amount of future payments in long-term borrowings on the Company's condensed consolidated statements of financial condition. The Company has not recorded any incremental contingent liability associated with its secured borrowing representations and warranties. Management believes that the probability of having to replace, repurchase or sell assets pledged as collateral under secured borrowing arrangements, including an early amortization event, is low.
Counterparty Settlement Guarantees
Diners Club and DFS Services LLC (on behalf of PULSE) have various counterparty exposures, which are listed below:
•Merchant Guarantee. Diners Club has entered into contractual relationships with certain international merchants, which generally include travel-related businesses, for the benefit of all Diners Club licensees. The licensees hold the primary liability to settle the transactions of their customers with these merchants. However, Diners Club retains a counterparty exposure if a licensee fails to meet its financial payment obligation to one of these merchants.
•ATM Guarantee. PULSE entered into contractual relationships with certain international ATM acquirers in which DFS Services LLC retains counterparty exposure if an issuer fails to fulfill its settlement obligation.
•Global Network Alliance Guarantee. Discover Network, Diners Club and PULSE have entered into contractual relationships with certain international payment networks in which DFS Services LLC retains the counterparty exposure if a network fails to fulfill its settlement obligation.
The maximum potential amount of future payments related to such contingent obligations depends on the transaction volume processed between the time a potential counterparty defaults on its settlement and the time the Company disables the settlement of any further transactions for the defaulting party. The Company has some contractual remedies to offset these counterparty settlement exposures (such as letters of credit or pledged deposits). However, there is no limitation on the maximum amount the Company may be liable to pay.
The actual amount of the potential exposure cannot be quantified as the Company cannot determine whether particular counterparties will fail to meet their settlement obligations. If all licensees and/or issuers were to become unable to settle their transactions, the Company estimates its maximum potential counterparty exposures to these settlement guarantees would be approximately $80 million as of September 30, 2021.
The Company believes that the estimated amounts of maximum potential future payments are not representative of the Company's actual potential loss exposure given Diners Club's and PULSE's insignificant historical losses from these counterparty exposures. As of September 30, 2021, the Company had not recorded any contingent liability in the condensed consolidated financial statements for these counterparty exposures. Management believes that the probability of any payments under these arrangements is low.
Discover Network Merchant Chargeback Guarantees
The Company operates the Discover Network, issues payment cards and permits third parties to issue payment cards. The Company is contingently liable for certain transactions processed on the Discover Network in the event of a dispute between the payment card customer and a merchant. The contingent liability arises if the disputed transaction involves a merchant or merchant acquirer with whom the Discover Network has a direct relationship. If a dispute is resolved in the customer's favor, the Discover Network will credit or refund the disputed amount to the Discover Network card issuer, which in turn credits its customer's account. The Discover Network will then charge back the disputed amount of the payment card transaction to the merchant or merchant acquirer, where permitted by the applicable agreement, to seek recovery of amounts already paid to the merchant for payment card transactions. If the Discover Network is unable to collect the amount subject to dispute from the merchant or merchant acquirer (e.g., in the event of merchant default or dissolution or after expiration of the period for chargebacks in the applicable agreement), the Discover Network will bear the loss for the amount credited or refunded to the customer. In most instances, a loss by the Discover Network is unlikely to arise in connection with payments on card transactions because most products or services are delivered when purchased and merchants issue credits on returned items in a timely fashion, thus minimizing the likelihood of cardholder disputes with respect to amounts paid by the Discover Network. However, where the product or service is not scheduled to be provided to the customer until a later date following the purchase, the likelihood of a contingent payment obligation by the Discover Network increases. Losses related to merchant chargebacks were not material for the three and nine months ended September 30, 2021 and 2020.
The maximum potential amount of obligations of the Discover Network arising from such contingent obligations is estimated to be the portion of the total Discover Network transaction volume processed to date for which timely and valid disputes may be raised under applicable law and relevant issuer and customer agreements. There is no limitation on the maximum amount the Company may be liable to pay to issuers. However, the Company believes that such amount is not representative of the Company's actual potential loss exposure based on the Company's historical experience. The actual amount of the potential exposure cannot be quantified as the Company cannot determine whether the current or cumulative transaction volumes may include or result in disputed transactions.
The following table summarizes certain information regarding merchant chargeback guarantees (dollars in millions):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Aggregate sales transaction volume(1)
$58,107 $46,128 $160,717 $125,214 
(1)Represents transactions processed on the Discover Network for which a potential liability exists that, in aggregate, can differ from credit card sales volume.
The Company did not record any material contingent liability in the condensed consolidated financial statements for merchant chargeback guarantees as of September 30, 2021 or December 31, 2020.The Company mitigates the risk of potential loss exposure by withholding settlement from merchants, obtaining third-party guarantees, or obtaining escrow deposits or letters of credit from certain merchant acquirers or merchants that are considered a higher risk due to various factors such as time delays in the delivery of products or services. As of September 30, 2021 and December 31, 2020, the Company had escrow deposits and settlement withholdings of $15 million and $16 million, respectively, which are recorded in interest-bearing deposit accounts and accrued expenses and other liabilities on the Company's condensed consolidated statements of financial condition.
XML 33 R22.htm IDEA: XBRL DOCUMENT v3.21.2
Litigation and Regulatory Matters
 9 Months Ended
Sep. 30, 2021
Loss Contingency [Abstract]  
Litigation and Regulatory Matters Litigation and Regulatory Matters
In the normal course of business, from time to time, the Company has been named as a defendant in various legal actions, including arbitrations, class actions and other litigation, arising in connection with its activities. Certain of the actual or threatened legal actions include claims for substantial compensatory and/or punitive damages or claims for indeterminate amounts of damages. The litigation process is not predictable and can lead to unexpected results. The Company contests liability and/or the amount of damages as appropriate in each pending matter.
The Company has historically offered its customers an arbitration clause in its customer agreements. The arbitration clause allows the Company and its customers to quickly and economically resolve disputes. Additionally, the arbitration clause has in some instances limited the costs of, and the Company's exposure to, litigation. Future legal and regulatory challenges and prohibitions may cause the Company to discontinue its offering and use of such clauses. From time to time, the Company is involved in legal actions challenging its arbitration clause. Bills may be periodically introduced in Congress to directly or indirectly prohibit the use of pre-dispute arbitration clauses.
The Company is also involved, from time to time, in other reviews, investigations and proceedings (both formal and informal) by governmental agencies regarding the Company's business including, among other matters, consumer regulatory, accounting, tax and other operational matters. The investigations and proceedings may result in significant adverse judgments, settlements, fines, penalties, injunctions, decreases in regulatory ratings, customer restitution or other relief. These outcomes could materially impact the Company's condensed consolidated financial statements, increase its cost of operations, or limit the Company's ability to execute its business strategies and engage in certain business activities. Certain subsidiaries of the Company are subject to a consent order with the Consumer Financial Protection Bureau ("CFPB") regarding certain private student loan servicing practices, as described below. Pursuant to powers granted under federal banking laws, regulatory agencies have broad and sweeping discretion and may assess civil money penalties, require changes to certain business practices or require customer restitution at any time.
In accordance with applicable accounting guidance, the Company establishes an accrued liability for legal and regulatory matters when those matters present loss contingencies that are both probable and estimable. Litigation and regulatory settlement-related expenses were $51 million and $54 million for the three and nine months ended September 30, 2021, respectively. Litigation and regulatory settlement-related expenses were immaterial for the three and nine months ended September 30, 2020.
There may be an exposure to loss in excess of any amounts accrued. The Company believes the estimate of the aggregate range of reasonably possible losses (meaning the likelihood of losses is more than remote but less than likely), in excess of the amounts that the Company has accrued for legal and regulatory proceedings, is up to $250 million as of September 30, 2021. This estimated range of reasonably possible losses is based on currently available information for those proceedings in which the Company is involved and considers the Company's best estimate of such losses for those matters for which an estimate can be made. It does not represent the Company's maximum potential loss exposure. Various aspects of the proceedings underlying the estimated range will change from time to time and actual results may vary significantly from the estimate.
The Company's estimated range noted above involves significant judgment, given the varying stages of the proceedings, the existence of numerous yet to be resolved issues, the breadth of the claims (often spanning multiple years and, in some cases, a wide range of business activities), unspecified damages and/or the novelty of the legal issues presented. The outcome of pending matters could adversely affect the Company's reputation and be material to the Company's condensed consolidated financial condition, operating results and cash flows for a particular future period, depending on, among other things, the level of the Company's income for such period.
In July 2015, the Company announced that its subsidiaries, Discover Bank, The Student Loan Corporation and Discover Products Inc. (the "Discover Subsidiaries"), agreed to a consent order with the CFPB with respect to certain private student loan servicing practices (the “2015 Order”). The 2015 Order expired in July 2020. On December 22, 2020, the Discover Subsidiaries agreed to a consent order (the “2020 Order”) with the CFPB resolving the agency’s investigation into Discover Bank’s compliance with the 2015 Order. In connection with the 2020 Order, Discover is required to implement a redress and compliance plan and must pay at least $10 million in consumer redress to consumers who may have been harmed and paid a $25 million civil money penalty to the CFPB.
On March 8, 2016, a class-action lawsuit was filed against the Company, other credit card networks, other issuing banks and EMVCo in the United States District Court for the Northern District of California (B&R Supermarket, Inc., d/b/a
Milam's Market, et al. v. Visa, Inc. et al.) alleging a conspiracy by defendants to shift fraud liability to merchants with the migration to the EMV security standard and chip technology. The plaintiffs assert joint and several liability among the defendants and seek unspecified damages, including treble damages, attorneys' fees, costs and injunctive relief. In May 2017, the Court entered an order transferring the entire action to a federal court in New York that is presiding over certain related claims that are pending in the actions consolidated as MDL 1720. On August 28, 2020, the Court granted the plaintiffs' Motion to Certify a Class. The defendants appealed the ruling, which was denied on January 20, 2021. The Company filed a Motion to Compel Arbitration, on which briefing closed in March 2021. On September 27, 2021, the court ruled the motion was premature and stated it would not issue a ruling until after the issuance of class notices. The court set the deadline for expert discovery on February 22, 2022. The Company is not in a position at this time to assess the likely outcome or its exposure, if any, with respect to this matter. However, the Company will seek to defend itself vigorously against all claims asserted by the plaintiffs.
XML 34 R23.htm IDEA: XBRL DOCUMENT v3.21.2
Fair Value Measurements
 9 Months Ended
Sep. 30, 2021
Fair Value Disclosures [Abstract]  
Fair Value Measurements Fair Value Measurements
Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Accounting Standards Codification ("ASC") Topic 820, Fair Value Measurement, provides a three-level hierarchy for classifying fair value measurements of financial instruments based on whether the inputs to the valuation techniques used are observable or unobservable. It also requires certain disclosures about those measurements. The three-level valuation hierarchy is as follows:
•Level 1: Fair values determined by Level 1 inputs are defined as those that utilize quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company has the ability to access.
•Level 2: Fair values determined by Level 2 inputs are those that utilize inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. Level 2 inputs include quoted prices for similar assets and liabilities in active or inactive markets, quoted prices for the identical assets in an inactive market and inputs other than quoted prices that are observable for the asset or liability, such as interest rates and yield curves that are observable at commonly quoted intervals. The Company evaluates factors such as the frequency of transactions, the size of the bid-ask spread and the significance of adjustments made when considering transactions involving similar assets or liabilities to assess the relevance of those observed prices. If relevant and observable prices are available, the fair values of the related assets or liabilities would be classified as Level 2.
•Level 3: Fair values determined by Level 3 inputs are those based on unobservable inputs and include situations where there is little, if any, market activity for the asset or liability being valued. In instances where the inputs used to measure fair value may fall into different levels of the fair value hierarchy, the level in the fair value hierarchy in which the measurements classified based on the lowest level input that is significant to the fair value measurement in its entirety. Accordingly, the Company may utilize both observable and unobservable inputs in determining the fair values of financial instruments classified within the Level 3 category.
The Company evaluates the classification of each fair value measurement within the hierarchy at least quarterly.
The Company's assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and involves consideration of factors specific to the asset or liability. Furthermore, certain techniques used to measure fair value involve some degree of judgment and, as a result, are not necessarily indicative of the amounts the Company would realize in a current market exchange.
Assets and Liabilities Measured at Fair Value on a Recurring Basis
Assets and liabilities measured at fair value on a recurring basis are as follows (dollars in millions):
Quoted Price in Active Markets
for Identical
Assets 
(Level 1)		Significant
Other
Observable
Inputs 
(Level 2)		Significant
Unobservable
Inputs 
(Level 3)		Total
Balance at September 30, 2021
Assets
Fair value - OCI
United States Treasury and U.S. GSE securities$7,571 $9 $— $7,580 
Residential mortgage-backed securities - Agency— 211 — 211 
Available-for-sale investment securities$7,571 $220 $— $7,791 
Fair value - Net income
Marketable equity securities$600 $— $— $600 
Derivative financial instruments - fair value hedges(1)
$— $1 $— $1 
Balance at December 31, 2020
Assets
Fair value - OCI
United States Treasury securities$9,354 $— $— $9,354 
Residential mortgage-backed securities - Agency— 300 — 300 
Available-for-sale investment securities$9,354 $300 $— $9,654 
Fair value - Net income
Derivative financial instruments - fair value hedges(1)
$— $1 $— $1 
(1)Derivative instrument carrying values in an asset or liability position are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition.
Available-for-Sale Investment Securities
Investment securities classified as available-for-sale consist of United States Treasury and U.S. GSE securities and RMBS. The fair value estimates of investment securities classified as Level 1, consisting of United States Treasury securities, are determined based on quoted market prices for the same securities. The Company classifies these U.S. GSE securities and RMBS as Level 2, the fair value estimates of which are based on the best information available. This data may consist of observed market prices for similar securities, broker quotes or discounted cash flow models that incorporate assumptions such as benchmark yields, issuer spreads, prepayment speeds, credit ratings and losses, the priority of which may vary based on the availability of information.
The Company validates the fair value estimates provided by pricing services primarily by comparing to valuations obtained through other pricing sources. The Company evaluates pricing variances among different pricing sources to ensure that the valuations utilized are reasonable. The Company also corroborates the reasonableness of the fair value estimates with analysis of trends of significant inputs, such as market interest rate curves. The Company further performs due diligence in understanding the procedures and techniques performed by the pricing services to derive fair value estimates.
At September 30, 2021, amounts reported in RMBS reflect U.S. government agency and U.S. GSE obligations issued by Ginnie Mae, Fannie Mae and Freddie Mac with an aggregate par value of $201 million, a weighted-average coupon of 3.24% and a weighted-average remaining maturity of two years.
Marketable Equity Securities
The Company holds non-controlling equity positions in payment service entities that have actively traded stock and therefore have readily determinable fair values. The Company classifies these equity securities as Level 1, the fair value estimates of which are determined based on quoted share prices for the same securities.
Derivative Financial Instruments
The Company's derivative financial instruments consist of interest rate swaps and foreign exchange forward contracts. These instruments are classified as Level 2 as their fair values are estimated using proprietary pricing models, containing certain assumptions based on readily observable market-based inputs, including interest rate curves, option volatility and foreign currency forward and spot rates. In determining fair values, the pricing models use widely accepted valuation techniques, including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity and the observable market-based inputs. The fair values of the interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash receipts (or payments) and the discounted expected variable cash payments (or receipts). The variable cash payments are based on an expectation of future interest rates derived from the observable market interest rate curves. The Company considers collateral and master netting agreements that mitigate credit exposure to counterparties in determining the counterparty credit risk valuation adjustment. The fair values of the currency instruments are valued by comparing the contracted forward exchange rate pertaining to the specific contract maturities to the current market exchange rate.
The Company validates the fair value estimates of interest rate swaps primarily through comparison to the fair value estimates computed by the counterparties to each of the derivative transactions. The Company evaluates pricing variances among different pricing sources to ensure that the valuations utilized are reasonable. The Company also corroborates the reasonableness of the fair value estimates with analysis of trends of significant inputs, such as market interest rate curves. The Company performs due diligence in understanding the impact of any changes to the valuation techniques performed by proprietary pricing models before implementation, working closely with the third-party valuation service and reviewing the service's control objectives at least annually. The Company corroborates the fair value of foreign exchange forward contracts through independent calculation of the fair value estimates.
As of October 16, 2020, the Company revised its valuation methodology to reflect changes made by central clearinghouses that changed the discounting methodology and interest calculation of cash variation margin from OIS to the Secured Overnight Financing Rate (“SOFR”) for U.S. Dollar cleared interest rate swaps. The Company's valuation methodology will result in valuations for cleared interest rate swaps that better reflect cleared swap prices obtainable in the markets in which the Company transacts. Pursuant to ASC Topic 848, the Company has elected and applied certain optional expedients and exceptions that provide contract modification and hedge accounting relief to eligible interest rate swaps affected by the change in the discounting methodology. The changes in valuation methodology are applied prospectively as a change in accounting estimate and are immaterial to the Company’s financial statements.
Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis
The Company also has assets that, under certain conditions, are subject to measurement at fair value on a non-recurring basis. These assets include those associated with acquired businesses, including goodwill and other intangible assets. For these assets, measurement at fair value in periods subsequent to the initial recognition of the assets may be applicable whenever one is tested for impairment. The Company recognized $92 million of impairments related to these assets during the nine months ended September 30, 2021. No impairments were recognized during the three months ended September 30, 2021. See Note 5: Intangible Assets for more information on the impact of the COVID-19 pandemic on intangible assets.
Financial Instruments Measured at Other Than Fair Value
The following tables disclose the estimated fair value of the Company's financial assets and financial liabilities that are not required to be carried at fair value (dollars in millions):
Balance at September 30, 2021Quoted Prices in Active Markets
for Identical
Assets
(Level 1)		Significant
Other
Observable
Inputs (Level 2)		Significant
Unobservable
Inputs (Level 3)		TotalCarrying
Value
Assets
Amortized cost
Residential mortgage-backed securities - Agency$— $227 $— $227 $223 
Held-to-maturity investment securities$— $227 $— $227 $223 
Net loan receivables$— $— $90,019 $90,019 $82,681 
Carrying value approximates fair value(1)
Cash and cash equivalents$12,716 $— $— $12,716 $12,716 
Restricted cash$32 $— $— $32 $32 
Accrued interest receivables(2)
$— $968 $— $968 $968 
Liabilities
Amortized cost
Time deposits(3)
$— $22,300 $— $22,300 $21,831 
Long-term borrowings - owed to securitization investors$— $9,014 $110 $9,124 $9,064 
Other long-term borrowings— 10,204 — 10,204 9,452 
Long-term borrowings$— $19,218 $110 $19,328 $18,516 
Carrying value approximates fair value(1)
Accrued interest payables(2)
$— $124 $— $124 $124 
Balance at December 31, 2020Quoted Prices in Active Markets
for Identical
Assets
(Level 1)		Significant
Other
Observable
Inputs (Level 2)		Significant
Unobservable
Inputs (Level 3)		TotalCarrying
Value
Assets
Amortized cost
Residential mortgage-backed securities - Agency$— $269 $— $269 $260 
Held-to-maturity investment securities$— $269 $— $269 $260 
Net loan receivables$— $— $91,200 $91,200 $82,223 
Carrying value approximates fair value(1)
Cash and cash equivalents$13,564 $— $— $13,564 $13,564 
Restricted cash$25 $— $— $25 $25 
Other short-term investments$2,200 $— $— $2,200 $2,200 
Accrued interest receivables(2)
$— $992 $— $992 $992 
Liabilities
Amortized cost
Time deposits(3)
$— $29,090 $— $29,090 $28,269 
Long-term borrowings - owed to securitization investors$— $10,794 $130 $10,924 $10,840 
Other long-term borrowings— 11,418 — 11,418 10,401 
Long-term borrowings$— $22,212 $130 $22,342 $21,241 
Carrying value approximates fair value(1)
Accrued interest payables(2)
$— $233 $— $233 $233 
(1)The carrying values of these assets and liabilities approximate fair value due to their short-term nature.
(2)Accrued interest receivable and payable carrying values are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition.
(3)Excludes deposits without contractually defined maturities for all periods presented.
XML 35 R24.htm IDEA: XBRL DOCUMENT v3.21.2
Derivatives and Hedging Activities
 9 Months Ended
Sep. 30, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
Derivatives and Hedging Activities Derivatives and Hedging Activities
The Company uses derivatives to manage its exposure to various financial risks. The Company does not enter into derivatives for trading or speculative purposes. Certain derivatives used to manage the Company's exposure to foreign currency are not designated as hedges and do not qualify for hedge accounting.
Derivatives may give rise to counterparty credit risk, which generally is addressed through collateral arrangements as described under the sub-heading "— Collateral Requirements and Credit-Risk Related Contingency Features." The Company enters into derivative transactions with established dealers that meet minimum credit criteria established by the Company. All counterparties must be pre-approved before engaging in any transaction with the Company. The Company regularly monitors counterparties to ensure compliance with the Company's risk policies and limits. In determining the counterparty credit risk valuation adjustment for the fair values of derivatives, if any, the Company considers collateral and legally enforceable master netting agreements that mitigate credit exposure to related counterparties.
All derivatives are recorded in other assets at their gross positive fair values and in accrued expenses and other liabilities at their gross negative fair values. See Note 15: Fair Value Measurements for a description of the valuation methodologies used for derivatives. Cash collateral amounts associated with derivative positions that are cleared through an exchange are legally characterized as settlement of the derivative positions. Such collateral amounts are reflected as offsets to the associated derivatives balances recorded in other assets or in accrued expenses and other liabilities. Other cash collateral posted and held balances are recorded in other assets and deposits, respectively, in the condensed consolidated statements of financial condition. Collateral amounts recorded in the condensed consolidated statements of financial condition are based on the net collateral posted or held position for each applicable legal entity's master netting arrangement with each counterparty.
Derivatives Designated as Hedges
Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows arising from changes in interest rates, or other types of forecasted transactions, are considered cash flow hedges. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges.
Cash Flow Hedges
The Company uses interest rate swaps to manage its exposure to changes in interest rates related to future cash flows resulting from interest received on interest-earning assets and interest payments on funding instruments. These interest rate swaps qualify for hedge accounting in accordance with ASC Topic 815, Derivatives and Hedging ("ASC 815"). As of September 30, 2021 and December 31, 2020, the Company's outstanding cash flow hedges related only to interest receipts from credit card receivables and had an initial maximum period of two years.
The change in the fair value of derivatives designated as cash flow hedges is recorded in OCI and is subsequently reclassified into earnings in the period that the hedged forecasted cash flows affect earnings. Amounts reported in AOCI related to derivatives at September 30, 2021, will be reclassified to interest income as interest receipts are accrued on the Company's then outstanding credit card receivables. During the next 12 months, the Company estimates it will reclassify $3 million of pretax earnings primarily related to one terminated derivative formerly designated as a cash flow hedge.
Fair Value Hedges
The Company is exposed to changes in the fair value of its fixed-rate debt obligations due to changes in interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value of certain fixed-rate long-term borrowings, including securitized debt and bank notes, attributable to changes in LIBOR or OIS rate, which are benchmark interest rates defined by ASC 815. These interest rate swaps qualify as fair value hedges in accordance with ASC 815. Changes in both (i) the fair values of the derivatives and (ii) the hedged long-term borrowings relating to the risk being hedged are recorded in interest expense. The changes generally provide substantial offset to one another, with any difference recognized in interest expense.
Derivatives Not Designated as Hedges
Foreign Exchange Forward Contracts
The Company has foreign exchange forward contracts that are economic hedges and are not designated as accounting hedges. The Company enters into foreign exchange forward contracts to manage foreign currency risk. Changes in the fair value of these contracts are recorded in other income.
Derivatives Cleared Through an Exchange
Cash variation margin payments on derivatives cleared through an exchange are legally considered settlement payments and are accounted for with corresponding derivative positions as one unit of account and not presented separately as collateral. With settlement payments on derivative positions cleared through this exchange reflected as offsets to the associated derivative asset and liability balances, the fair values of derivative instruments and collateral balances shown are generally reduced.
Derivatives Activity
The following table summarizes the fair value (including accrued interest) and outstanding notional amounts of derivative instruments and related collateral balances (dollars in millions):
 September 30, 2021December 31, 2020
 Notional
Amount		Number of Outstanding Derivative ContractsDerivative AssetsDerivative LiabilitiesNotional
Amount		Derivative AssetsDerivative Liabilities
Derivatives designated as hedges
Interest rate swaps—cash flow hedge$250 1 $— $— $250 $— $— 
Interest rate swaps—fair value hedge$8,275 10 1 — $11,625 1 — 
Derivatives not designated as hedges
Foreign exchange forward contracts(1)
$26 6 — — $24 — — 
Interest rate swaps$5 1 — — $— — — 
Total gross derivative assets/liabilities(2)
1 — 1 — 
Less: collateral held/posted(3)
— — — — 
Total net derivative assets/liabilities$1 $— $1 $— 
(1)The foreign exchange forward contracts have notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 788 million as of September 30, 2021, and notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 596 million as of December 31, 2020.
(2)In addition to the derivatives disclosed in the table, the Company enters into forward contracts to purchase when-issued mortgage-backed securities as part of its community reinvestment initiatives. At September 30, 2021, the Company had no outstanding contracts. At December 31, 2020, the Company had one outstanding contract with a total notional amount of $27 million and an immaterial fair value.
(3)Collateral amounts, which consist of cash and investment securities, are limited to the related derivative asset/liability balance and do not include excess collateral received/pledged.
The following amounts were recorded on the statements of financial condition related to cumulative basis adjustments for fair value hedges (dollars in millions):
September 30, 2021December 31, 2020
Carrying Amount of Hedged LiabilityCumulative Amount of Fair Value Hedging Adjustment Increasing the Carrying Amount of Hedged LiabilityCarrying Amount of Hedged LiabilitiesCumulative Amount of Fair Value Hedging Adjustment Increasing the Carrying Amount of Hedged Liability
Long-term borrowings$8,885 $115 $11,881 $281 
The following table summarizes the impact of the derivative instruments on income and indicates where within the condensed consolidated financial statements such impact is reported (dollars in millions):
Location and Amount of (Losses) Gains Recognized on the Condensed Consolidated Statements of Income
Interest Expense
Deposits
Long-Term Borrowings
Other Income
For the Three Months Ended September 30, 2021
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded$(156)$(113)$18 
The effects of cash flow and fair value hedging
Gains (losses) on cash flow hedging relationship
Amounts reclassified from OCI into earnings$— $— $— 
Gains on fair value hedging relationships
Gains on hedged items$— $45 $— 
Gains (losses) on interest rate swaps— (9)— 
Total gains on fair value hedging relationships$— $36 $— 
For the Three Months Ended September 30, 2020
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded$(287)$(126)$17 
The effects of cash flow and fair value hedging
Gains on cash flow hedging relationship
Amounts reclassified from OCI into earnings$(4)$— $— 
Gains on fair value hedging relationships
Gains on hedged items$— $59 $— 
Gains (losses) on interest rate swaps— (9)— 
Total gains on fair value hedging relationships$— $50 $— 
The effects of derivatives not designated in hedging relationships
Gains (losses) on derivatives not designated as hedges
$— $— $(1)
Location and Amount of (Losses) Gains Recognized on the Condensed Consolidated Statements of Income
Interest Expense
Deposits
Long-Term Borrowings
Other Income
For the Nine Months Ended September 30, 2021
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded$(519)$(356)$47 
The effects of cash flow and fair value hedging
Gains (losses) on cash flow hedging relationship
Amounts reclassified from OCI into earnings$— $(2)$— 
Gains on fair value hedging relationships
Gains on hedged items$— $167 $— 
Gains (losses) on interest rate swaps— (38)— 
Total gains on fair value hedging relationships$— $129 $— 
For the Nine Months Ended September 30, 2020
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded$(1,000)$(479)$59 
The effects of cash flow and fair value hedging
Losses on cash flow hedging relationship
Amounts reclassified from OCI into earnings$(9)$(2)$— 
Gains on fair value hedging relationship
Gains (losses) on hedged items$— $(326)$— 
Gains on interest rate swaps— 434 — 
Total gains on fair value hedging relationships$— $108 $— 
For the impact of the derivative instruments on OCI, see Note 9: Accumulated Other Comprehensive Income.
Collateral Requirements and Credit-Risk Related Contingency Features
The Company has master netting arrangements and minimum collateral posting thresholds with its counterparties for its fair value and cash flow hedge interest rate swaps and foreign exchange forward contracts. The Company has not sought a legal opinion in relation to the enforceability of its master netting arrangements and, as such, does not report any of these positions on a net basis. Collateral is required by either the Company or its subsidiaries or the counterparty depending on the net fair value position of the derivatives held with that counterparty. These collateral receivable or payable amounts are generally not offset against the fair value of these derivatives but are recorded separately in other assets or deposits. Most of the Company's cash collateral amounts relate to positions cleared through an exchange and are reflected as offsets to the associated derivatives balances recorded in other assets and accrued expenses and other liabilities.
The Company also has agreements with certain of its derivative counterparties that contain a provision under which the Company could be declared in default on any of its derivative obligations if the Company defaults on any of its indebtedness, including default where the lender has not accelerated repayment of the indebtedness.
XML 36 R25.htm IDEA: XBRL DOCUMENT v3.21.2
Segment Disclosures
 9 Months Ended
Sep. 30, 2021
Segment Reporting [Abstract]  
Segment Disclosures Segment Disclosures
The Company manages its business activities in two segments: Digital Banking and Payment Services.
•Digital Banking: The Digital Banking segment includes Discover-branded credit cards issued to individuals on the Discover Network and other consumer products and services, including private student loans, personal loans, home loans and other consumer lending and deposit products. The majority of Digital Banking revenues relate to interest income earned on the segment's loan products. Additionally, the Company's credit card products generate substantially all revenues related to discount and interchange, protection products and loan fee income.
•Payment Services: The Payment Services segment includes PULSE, an automated teller machine, debit and electronic funds transfer network; Diners Club, a global payments network; and the Company's Network Partners business, which provides payment transaction processing and settlement services on the Discover Network. The majority of Payment Services revenues relate to transaction processing revenue from PULSE and royalty and licensee revenue from Diners Club.
The business segment reporting provided to and used by the Company's chief operating decision-maker is prepared using the following principles and allocation conventions:
•The Company aggregates operating segments when determining reportable segments.
•Corporate overhead is not allocated between segments; all corporate overhead is included in the Digital Banking segment.
•Through its operation of the Discover Network, the Digital Banking segment incurs fixed marketing, servicing and infrastructure costs that are not specifically allocated among the segments, except for an allocation of direct and incremental costs driven by the Company's Payment Services segment.
•The Company's assets are not allocated among the operating segments in the information reviewed by the Company's chief operating decision-maker.
•The revenues of each segment are derived from external sources. The segments do not earn revenue from intercompany sources.
•Income taxes are not specifically allocated between the operating segments in the information reviewed by the Company's chief operating decision-maker.
The following table presents segment data (dollars in millions):
Digital
Banking		Payment
Services		Total
For the Three Months Ended September 30, 2021
Interest income
Credit card loans$2,193 $— $2,193 
Private student loans184 — 184 
Personal loans219 — 219 
Other loans30 — 30 
Other interest income48 — 48 
Total interest income2,674 — 2,674 
Interest expense269 — 269 
Net interest income2,405 — 2,405 
Provision for credit losses185 — 185 
Other income (loss)447 (75)372 
Other expense1,151 39 1,190 
Income (loss) before income taxes$1,516 $(114)$1,402 
For the Three Months Ended September 30, 2020
Interest income
Credit card loans$2,171 $— $2,171 
Private student loans182 — 182 
Personal loans237 — 237 
Other loans27 — 27 
Other interest income64 — 64 
Total interest income2,681 — 2,681 
Interest expense416 — 416 
Net interest income2,265 — 2,265 
Provision for credit losses750 — 750 
Other income371 78 449 
Other expense969 36 1,005 
Income before income taxes$917 $42 $959 
Digital
Banking		Payment
Services		Total
For the Nine Months Ended September 30, 2021
Interest income
Credit card loans$6,452 $— $6,452 
Private student loans554 — 554 
Personal loans662 — 662 
Other loans85 — 85 
Other interest income156 — 156 
Total interest income7,909 — 7,909 
Interest expense875 — 875 
Net interest income7,034 — 7,034 
Provision for credit losses(45)— (45)
Other income1,284 833 2,117 
Other expense3,290 203 3,493 
Income before income tax expense$5,073 $630 $5,703 
For the Nine Months Ended September 30, 2020
Interest income
Credit card loans$6,760 $— $6,760 
Private student loans569 — 569 
Personal loans722 — 722 
Other loans78 — 78 
Other interest income206 — 206 
Total interest income8,335 — 8,335 
Interest expense1,482 — 1,482 
Net interest income6,853 — 6,853 
Provision for credit losses4,603 — 4,603 
Other income1,091 320 1,411 
Other expense3,069 172 3,241 
Income before income tax expense$272 $148 $420 
XML 37 R26.htm IDEA: XBRL DOCUMENT v3.21.2
Revenue from Contracts with Customers
 9 Months Ended
Sep. 30, 2021
Revenue from Contract with Customer [Abstract]  
Revenue from Contracts with Customers Revenue from Contracts with Customers
ASC Topic 606, Revenue from Contracts with Customers ("ASC 606"), generally applies to the sales of any good or service for which no other specific accounting guidance is provided. ASC 606 defines a principles-based model under which revenue from a contract is allocated to the distinct performance obligations within the contract and recognized in income as each performance obligation is satisfied. The Company's revenue that is subject to this model includes discount and interchange, protection products fees, transaction processing revenue and certain amounts classified as other income.
The following table presents revenue from contracts with customers disaggregated by business segment and reconciles revenue from contracts with customers to total other income (dollars in millions):
Digital BankingPayment ServicesTotal
For the Three Months Ended September 30, 2021
Other income subject to ASC 606
Discount and interchange revenue, net(1)
$280 $19 $299 
Protection products revenue43 — 43 
Transaction processing revenue— 58 58 
Other income3 15 18 
Total other income subject to ASC 606(2)
326 92 418 
Other income not subject to ASC 606
Loan fee income121 — 121 
Unrealized gains (losses) on equity investments— (167)(167)
Total other income (loss) not subject to ASC 606121 (167)(46)
Total other income (loss) by operating segment$447 $(75)$372 
For the Three Months Ended September 30, 2020
Other income subject to ASC 606
Discount and interchange revenue, net(1)
$225 $13 $238 
Protection products revenue44 — 44 
Transaction processing revenue— 50 50 
Other income2 15 17 
Total other income subject to ASC 606(2)
271 78 349 
Other income not subject to ASC 606
Loan fee income100 — 100 
Total other income not subject to ASC 606100 — 100 
Total other income by operating segment$371 $78 $449 
Digital BankingPayment ServicesTotal
For the Nine Months Ended September 30, 2021
Other income subject to ASC 606
Discount and interchange revenue, net(1)
$826 $53 $879 
Protection products revenue129 — 129 
Transaction processing revenue— 167 167 
Other (loss) income(4)51 47 
Total other income subject to ASC 606(2)
951 271 1,222 
Other income not subject to ASC 606
Loan fee income333 — 333 
Unrealized gains on equity investments— 562 562 
Total other income not subject to ASC 606333 562 895 
Total other income by operating segment$1,284 $833 $2,117 
For the Nine Months Ended September 30, 2020
Other income subject to ASC 606
Discount and interchange revenue, net(1)
$644 $47 $691 
Protection products revenue135 — 135 
Transaction processing revenue— 143 143 
Other income8 51 59 
Total other income subject to ASC 606(2)
787 241 1,028 
Other income not subject to ASC 606
Loan fee income304 — 304 
Realized gains on equity investments— 79 79 
Total other income not subject to ASC 606304 79 383 
Total other income by operating segment$1,091 $320 $1,411 
(1)Net of rewards, including Cashback Bonus rewards, of $689 million and $514 million for the three months ended September 30, 2021 and 2020, respectively, and $1.8 billion and $1.4 billion for the nine months ended September 30, 2021 and 2020, respectively.
(2)Excludes deposit product fees that are reported within net interest income, which were immaterial for the three and nine months ended September 30, 2021 and 2020.
For a detailed description of the Company's significant revenue recognition accounting policies, see Note 2: Summary of Significant Accounting Policies to the consolidated financial statements in the Company's annual report on Form 10-K for the year ended December 31, 2020.
XML 38 R27.htm IDEA: XBRL DOCUMENT v3.21.2
Subsequent Events
 9 Months Ended
Sep. 30, 2021
Subsequent Events [Abstract]  
Subsequent Events Subsequent EventsThe Company has evaluated events and transactions that have occurred subsequent to September 30, 2021, and determined that there were no subsequent events that would require recognition or disclosure in the condensed consolidated financial statements.
XML 39 R28.htm IDEA: XBRL DOCUMENT v3.21.2
Background and Basis of Presentation (Policies)
 9 Months Ended
Sep. 30, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Basis of presentation The accompanying condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States ("GAAP") for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete consolidated financial statements. In the opinion of management, the financial statements reflect all adjustments necessary for the fair presentation of results for the interim period. All such adjustments are of a normal, recurring nature.
Use of estimates The preparation of financial statements in conformity with GAAP requires the Company to make estimates and assumptions that affect the amounts reported in the condensed consolidated financial statements and related disclosures. These estimates are based on information available as of the date of the condensed consolidated financial statements. The Company believes that the estimates used in the preparation of the condensed consolidated financial statements are reasonable. Actual results could differ from these estimates.
XML 40 R29.htm IDEA: XBRL DOCUMENT v3.21.2
Investments (Tables)
 9 Months Ended
Sep. 30, 2021
Investments, Debt and Equity Securities [Abstract]  
Schedule of Investment Securities
The Company's other short-term investments and investment securities consist of the following (dollars in millions):
September 30,
2021		December 31,
2020
United States Treasury bills(1)
$— $2,200 
Total other short-term investments$— $2,200 
United States Treasury(2) and U.S. GSE(3) securities
$7,580 $9,354 
Residential mortgage-backed securities - Agency(3)
434 560 
Total investment securities$8,014 $9,914 
(1)Includes United States Treasury bills with maturity dates greater than 90 days but less than one year at the time of acquisition.
(2)Includes $56 million and $117 million of United States Treasury securities pledged as swap collateral as of September 30, 2021 and December 31, 2020, respectively.
(3)Consists of securities issued by Fannie Mae, Freddie Mac, Ginnie Mae, or the Federal Home Loan Bank.
Schedule of Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Fair Value The amortized cost, gross unrealized gains and losses and fair value of available-for-sale and held-to-maturity investment securities are as follows (dollars in millions):
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
At September 30, 2021
Available-for-Sale Investment Securities(1)
United States Treasury and U.S. GSE securities$7,362 $218 $— $7,580 
Residential mortgage-backed securities - Agency204 7 — 211 
Total available-for-sale investment securities$7,566 $225 $— $7,791 
Held-to-Maturity Investment Securities(2)
Residential mortgage-backed securities - Agency(3)
$223 $5 $(1)$227 
Total held-to-maturity investment securities$223 $5 $(1)$227 
At December 31, 2020
Available-for-Sale Investment Securities(1)
United States Treasury securities$8,987 $367 $— $9,354 
Residential mortgage-backed securities - Agency290 10 — 300 
Total available-for-sale investment securities$9,277 $377 $— $9,654 
Held-to-Maturity Investment Securities(2)
Residential mortgage-backed securities - Agency(3)
$260 $9 $— $269 
Total held-to-maturity investment securities$260 $9 $— $269 
(1)Available-for-sale investment securities are reported at fair value.
(2)Held-to-maturity investment securities are reported at amortized cost.
(3)Amounts represent residential mortgage-backed securities ("RMBS") that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.
Schedule of Maturities of Available-for-Sale Debt Securities and Held-to-Maturity Debt Securities
Maturities of available-for-sale debt securities and held-to-maturity debt securities are provided in the following table (dollars in millions):
At September 30, 2021One Year
or
Less		After One
Year
Through
Five Years		After Five
Years
Through
Ten Years		After Ten
Years		Total
Available-for-Sale Investment Securities—Amortized Cost
United States Treasury and U.S. GSE securities$2,616 $4,737 $9 $— $7,362 
Residential mortgage-backed securities - Agency(1)
2 21 174 7 204 
Total available-for-sale investment securities$2,618 $4,758 $183 $7 $7,566 
Held-to-Maturity Investment Securities—Amortized Cost
Residential mortgage-backed securities - Agency(1)
$— $— $— $223 $223 
Total held-to-maturity investment securities$— $— $— $223 $223 
Available-for-Sale Investment Securities—Fair Values
United States Treasury and U.S. GSE securities$2,641 $4,931 $8 $— $7,580 
Residential mortgage-backed securities - Agency(1)
2 21 180 8 211 
Total available-for-sale investment securities$2,643 $4,952 $188 $8 $7,791 
Held-to-Maturity Investment Securities—Fair Values
Residential mortgage-backed securities - Agency(1)
$— $— $— $227 $227 
Total held-to-maturity investment securities$— $— $— $227 $227 
(1)Maturities of RMBS are reflective of the contractual maturities of the investment.
XML 41 R30.htm IDEA: XBRL DOCUMENT v3.21.2
Loan Receivables (Tables)
 9 Months Ended
Sep. 30, 2021
Receivables [Abstract]  
Schedule of Loan Receivables
The Company's classes of receivables within the two portfolio segments are depicted in the following table (dollars in millions):
September 30,
2021		December 31,
2020
Credit card loans(1)(2)
$70,320 $71,472 
Other loans(3)
Private student loans(4)
10,184 9,954 
Personal loans6,890 7,177 
Other loans2,148 1,846 
Total other loans19,222 18,977 
Total loan receivables89,542 90,449 
Allowance for credit losses(6,861)(8,226)
Net loan receivables$82,681 $82,223 
(1)Amounts include carrying values of $12.9 billion and $16.7 billion underlying investors' interest in trust debt at September 30, 2021 and December 31, 2020, respectively, and $11.6 billion and $10.6 billion in seller's interest at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
(2)Unbilled accrued interest receivable on credit card loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $379 million and $420 million at September 30, 2021 and December 31, 2020, respectively.
(3)Accrued interest receivable on private student, personal and other loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $503 million, $41 million and $6 million, respectively, at September 30, 2021 and $469 million, $49 million and $6 million, respectively, at December 31, 2020.
(4)Amounts include carrying values of $215 million and $250 million in loans pledged as collateral against the notes issued from a private student loan securitization trust at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
Schedule of Credit Risk Profile by FICO Score and Origination Year
The following table provides the distribution of the amortized cost basis (excluding accrued interest receivable presented in other assets) by the most recent FICO scores available for the Company's customers for credit card, private student and personal loan receivables (dollars in millions):
Credit Risk Profile by FICO Score
September 30, 2021December 31, 2020
 660 and AboveLess than 660
or No Score		660 and AboveLess than 660
or No Score
$%$%$%$%
Credit card loans(1)
$59,005 84 %$11,315 16 %$58,950 82 %$12,522 18 %
Private student loans by origination year(2)(3)
2021$1,011 94 %$70 6 %
20201,593 97 %54 3 %$1,173 95 %$60 5 %
20191,485 96 %56 4 %1,659 96 %61 4 %
20181,185 95 %58 5 %1,365 96 %61 4 %
2017898 95 %52 5 %1,052 95 %57 5 %
Prior3,521 95 %201 5 %4,219 94 %247 6 %
Total private student loans$9,693 95 %$491 5 %$9,468 95 %$486 5 %
Personal loans by origination year
2021$2,541 99 %$18 1 %
20201,921 98 %37 2 %$2,880 99 %$25 1 %
20191,291 95 %66 5 %2,183 96 %90 4 %
2018550 92 %51 8 %1,018 92 %90 8 %
2017276 88 %36 12 %558 89 %69 11 %
Prior87 84 %16 16 %227 86 %37 14 %
Total personal loans$6,666 97 %$224 3 %$6,866 96 %$311 4 %
(1)Amounts include $881 million and $1.0 billion of revolving line-of-credit arrangements that were converted to term loans as a result of a troubled debt restructuring ("TDR") program as of September 30, 2021 and December 31, 2020, respectively.
(2)A majority of private student loan originations occur in the third quarter and disbursements can span multiple calendar years.
(3)FICO score represents the higher credit score of the cosigner or borrower.
Schedule of Delinquent Loans by Origination Year
The amortized cost basis (excluding accrued interest receivable presented in other assets) of delinquent loans in the Company's loan portfolio is shown below for credit card, private student and personal loan receivables (dollars in millions):
September 30, 2021December 31, 2020
30-89 Days
Delinquent		90 or
More Days
Delinquent		Total Past
Due		30-89 Days
Delinquent		90 or
More Days
Delinquent		Total Past
Due
Credit card loans$573 $467 $1,040 $739 $739 $1,478 
Private student loans by origination year(1)
2021$— $— $— 
20204 1 5 $— $— $— 
201911 2 13 3 1 4 
201814 4 18 9 3 12 
201715 5 20 12 4 16 
Prior78 24 102 86 20 106 
Total private student loans$122 $36 $158 $110 $28 $138 
Personal loans by origination year
2021$2 $— $2 
20207 2 9 $5 $2 $7 
201912 5 17 18 9 27 
20188 3 11 15 7 22 
20175 2 7 10 5 15 
Prior2 1 3 5 2 7 
Total personal loans$36 $13 $49 $53 $25 $78 
(1)Private student loans may include a deferment period, during which customers are not required to make payments while enrolled in school at least half time as determined by the school. During a deferment period, these loans do not advance into delinquency.
Schedule of Changes in the Allowance for Credit Losses
The following tables provide changes in the Company's allowance for credit losses (dollars in millions):
For the Three Months Ended September 30, 2021
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at June 30, 2021$5,409 $828 $745 $44 $7,026 
Additions
Provision for credit losses(1)
178 46 (64)— 160 
Deductions
Charge-offs(495)(23)(38)— (556)
Recoveries206 6 19 — 231 
Net charge-offs(289)(17)(19)— (325)
Balance at September 30, 2021$5,298 $857 $662 $44 $6,861 
For the Three Months Ended September 30, 2020
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at June 30, 2020$6,491 $799 $857 $37 $8,184 
Additions
Provision for credit losses(1)
604 55 49 2 710 
Deductions
Charge-offs(759)(20)(62)(1)(842)
Recoveries155 6 13 — 174 
Net charge-offs(604)(14)(49)(1)(668)
Balance at September 30, 2020$6,491 $840 $857 $38 $8,226 
For the Nine Months Ended September 30, 2021
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at December 31, 2020$6,491 $840 $857 $38 $8,226 
Additions
Provision for credit losses(1)
(18)61 (96)6 (47)
Deductions
Charge-offs(1,778)(63)(150)— (1,991)
Recoveries603 19 51 — 673 
Net charge-offs(1,175)(44)(99)— (1,318)
Balance at September 30, 2021$5,298 $857 $662 $44 $6,861 
For the Nine Months Ended September 30, 2020
 Credit Card LoansPrivate Student LoansPersonal LoansOther LoansTotal Loans
Balance at December 31, 2019(2)
$2,883 $148 $348 $4 $3,383 
Cumulative effect of ASU No. 2016-13 adoption(3)
1,667 505 265 24 2,461 
Balance at January 1, 20204,550 653 613 28 5,844 
Additions
Provision for credit losses(1)
3,916 233 426 11 4,586 
Deductions
Charge-offs(2,480)(62)(224)(1)(2,767)
Recoveries505 16 42 — 563 
Net charge-offs(1,975)(46)(182)(1)(2,204)
Balance at September 30, 2020$6,491 $840 $857 $38 $8,226 
(1)Excludes a $25 million and $40 million reclassification of the liability for expected credit losses on unfunded commitments for the three months ended September 30, 2021 and 2020, respectively, and $2 million and $17 million for the nine months ended September 30, 2021 and 2020, respectively, as the liability is recorded in accrued expenses and other liabilities in the Company's condensed consolidated statements of financial condition.
(2)Prior to the adoption of Accounting Standards Update ("ASU") No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.
(3)Represents the adjustment to the allowance for credit losses due to the adoption of ASU No. 2016-13 on January 1, 2020.
Schedule of Net Charge-offs of Interest and Fee Revenues on Loan Receivables Net charge-offs of principal are recorded against the allowance for credit losses, as shown in the preceding table. Information regarding net charge-offs of interest and fee revenues on credit card and other loans is as follows (dollars in millions): 
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Interest and fees accrued subsequently charged-off, net of recoveries (recorded as a reduction of interest income)$57 $114 $232 $393 
Fees accrued subsequently charged-off, net of recoveries (recorded as a reduction to other income)$15 $27 $59 $95 
Schedule of Delinquent and Non-Accruing Loans
The amortized cost basis (excluding accrued interest receivable presented in other assets) of delinquent and non-accruing loans in the Company's loan portfolio is shown below for each class of loan receivables (dollars in millions):
30-89 Days
Delinquent		90 or
More Days
Delinquent		Total Past
Due		90 or
More Days
Delinquent
and
Accruing
Total
Non-accruing(1)
At September 30, 2021
Credit card loans$573 $467 $1,040 $430 $201 
Other loans
Private student loans122 36 158 35 8 
Personal loans36 13 49 12 9 
Other loans5 6 11 2 14 
Total other loans163 55 218 49 31 
Total loan receivables$736 $522 $1,258 $479 $232 
At December 31, 2020
Credit card loans$739 $739 $1,478 $687 $209 
Other loans
Private student loans110 28 138 27 12 
Personal loans53 25 78 23 12 
Other loans8 3 11 — 10 
Total other loans171 56 227 50 34 
Total loan receivables$910 $795 $1,705 $737 $243 
(1)The Company estimates that the gross interest income that would have been recorded under the original terms of non-accruing credit card loans was $6 million and $7 million for the three months ended September 30, 2021 and 2020, respectively, and $21 million and $25 million for the nine months ended September 30, 2021 and 2020, respectively. The Company does not separately track the amount of gross interest income that would have been recorded under the original terms of loans. Instead, the Company estimated this amount based on customers' current balances and most recent interest rates.
Schedule of Loans That Entered a Modification Program During the Period
The following table provides information on loans that entered a TDR program during the period (dollars in millions):
For the Three Months Ended September 30,
20212020
Number of AccountsBalancesNumber of AccountsBalances
Accounts that entered a TDR program during the period
Credit card loans(1)
13,964 $86 20,779 $150 
Private student loans102 $2 118 $2 
Personal loans888 $10 2,505 $33 
For the Nine Months Ended September 30,
20212020
Number of AccountsBalancesNumber of AccountsBalances
Accounts that entered a TDR program during the period
Credit card loans(1)
48,887 $315 130,869 $875 
Private student loans355 $7 1,767 $32 
Personal loans3,102 $38 6,315 $83 
(1)Accounts that entered a credit card TDR program include $72 million and $143 million that were converted from revolving line-of-credit arrangements to term loans during the three months ended September 30, 2021 and 2020, respectively, and $288 million and $529 million for the nine months ended September 30, 2021 and 2020, respectively.
Schedule of Troubled Debt Restructurings That Subsequently Defaulted
The following table presents the carrying value of loans that experienced a default during the period that had been modified in a TDR during the 15 months preceding the end of each period (dollars in millions):
For the Three Months Ended September 30,
20212020
Number of AccountsAggregated Outstanding Balances Upon DefaultNumber of AccountsAggregated Outstanding Balances Upon Default
TDRs that subsequently defaulted
Credit card loans(1)(2)
3,679 $21 8,983 $52 
Private student loans(3)
83 $2 272 $6 
Personal loans(2)
399 $6 624 $9 
For the Nine Months Ended September 30,
20212020
Number of AccountsAggregated Outstanding Balances Upon DefaultNumber of AccountsAggregated Outstanding Balances Upon Default
TDRs that subsequently defaulted
Credit card loans(1)(2)
14,205 $84 41,285 $235 
Private student loans(3)
214 $5 876 $18 
Personal loans(2)
1,287 $18 2,446 $36 
(1)For credit card loans that default from a temporary program, accounts revert to the pre-modification terms and charging privileges remain suspended in most cases.
(2)For credit card loans and personal loans, a customer defaults from a loan modification program after either two consecutive missed payments or at charge-off, depending on the program. The outstanding balance upon default is generally the loan balance at the end of the month prior to default.
(3)For student loans, a customer defaults from a loan modification after they are 60 or more days delinquent. The outstanding balance upon default is generally the loan balance at the end of the month prior to default.
XML 42 R31.htm IDEA: XBRL DOCUMENT v3.21.2
Credit Card and Private Student Loan Securitization Activities (Tables)
 9 Months Ended
Sep. 30, 2021
Variable Interest Entities Disclosure [Abstract]  
Schedule of Restricted Credit Card Securitized Assets
The carrying values of these restricted assets, which are presented on the Company's condensed consolidated statements of financial condition as relating to securitization activities, are shown in the following table (dollars in millions):
September 30,
2021		December 31,
2020
Restricted cash$23 $16 
Investors' interests held by third-party investors8,925 10,600 
Investors' interests held by wholly-owned subsidiaries of Discover Bank3,971 6,121 
Seller's interest11,640 10,575 
Loan receivables(1)
24,536 27,296 
Allowance for credit losses allocated to securitized loan receivables(1)
(1,436)(1,936)
Net loan receivables23,100 25,360 
Other3 3 
Carrying value of assets of consolidated variable interest entities$23,126 $25,379 
(1)The Company maintains its allowance for credit losses at an amount equal to lifetime expected credit losses associated with all loan receivables, which includes all loan receivables in the trusts. Therefore, the credit risk associated with the transferred receivables is fully reflected on the Company's statements of financial condition in accordance with GAAP.
Schedule of Restricted Private Student Loan Securitized Assets The carrying values of these restricted assets, which are presented on the Company's condensed consolidated statements of financial condition as relating to securitization activities, are shown in the following table (dollars in millions): 
 September 30,
2021		December 31,
2020
Restricted cash$9 $9 
Private student loan receivables215 250 
Carrying value of assets of consolidated variable interest entities$224 $259 
XML 43 R32.htm IDEA: XBRL DOCUMENT v3.21.2
Deposits (Tables)
 9 Months Ended
Sep. 30, 2021
Deposits [Abstract]  
Schedule of Interest Bearing Deposit Accounts
The following table provides a summary of interest-bearing deposit accounts (dollars in millions):
September 30,
2021		December 31,
2020
Certificates of deposit in amounts less than $100,000$14,592 $19,105 
Certificates of deposit in amounts $100,000 or greater(1)
7,239 9,164 
Savings deposits, including money market deposit accounts49,295 47,426 
Total interest-bearing deposits$71,126 $75,695 
(1)Includes $2.0 billion and $2.6 billion in certificates of deposit equal to or greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of September 30, 2021 and December 31, 2020, respectively.
Schedule of $100,000 or More Certificates of Deposit Maturities The following table summarizes certificates of deposit in amounts of $100,000 or greater by contractual maturity (dollars in millions):
September 30,
2021
Three months or less$1,458 
Over three months through six months1,640 
Over six months through twelve months2,711 
Over twelve months1,430 
Total$7,239 
Schedule of Certificates of Deposit Maturities The following table summarizes certificates of deposit maturing over the remainder of this year, over each of the next four years and thereafter (dollars in millions):
September 30,
2021
2021$4,171 
202211,133 
20232,663 
20241,451 
2025870 
Thereafter1,543 
Total$21,831 
XML 44 R33.htm IDEA: XBRL DOCUMENT v3.21.2
Long-Term Borrowings (Tables)
 9 Months Ended
Sep. 30, 2021
Debt Disclosure [Abstract]  
Schedule of Long-Term Borrowings and Weighted Average Interest Rates
Long-term borrowings consist of borrowings having original maturities of one year or more. The following table provides a summary of the Company's long-term borrowings and weighted-average interest rates on outstanding balances (dollars in millions):
September 30, 2021December 31, 2020
MaturityInterest
Rate		Weighted-Average Interest RateOutstanding AmountOutstanding Amount
Securitized Debt
Fixed-rate asset-backed securities(1)
2022-2026
0.58% - 3.04%
2.01%$5,607 $6,041 
Floating-rate asset-backed securities(2)
2022-2024
0.41% - 0.68%
0.54%3,347 4,669 
Total Discover Card Master Trust I and Discover Card Execution Note Trust8,954 10,710 
Floating-rate asset-backed security(3)(4)
2031
4.25%
4.25%110 130 
Total private student loan securitization trust110 130 
Total long-term borrowings - owed to securitization investors9,064 10,840 
Discover Financial Services (Parent Company)
Fixed-rate senior notes2022-2027
3.75% - 5.20%
4.16%3,370 3,337 
Fixed-rate retail notes2022-2031
2.85% - 4.40%
3.75%166 336 
Discover Bank
Fixed-rate senior bank notes(1)
2023-2030
2.45% - 4.65%
3.63%5,406 6,213 
Fixed-rate subordinated bank notes(1)
2028
4.68%
4.68%510 515 
Total long-term borrowings$18,516 $21,241 
(1)The Company uses interest rate swaps to hedge portions of these long-term borrowings against changes in fair value attributable to changes in the London Interbank Offered Rate ("LIBOR") or Overnight Index Swap ("OIS") Rate. The use of these interest rate swaps impacts the carrying value of the debt. See Note 16: Derivatives and Hedging Activities.
(2)DCENT floating-rate asset-backed securities include issuances with the following interest rate terms: 1-month LIBOR + 33 to 60 basis points as of September 30, 2021.
(3)The private student loan securitization trust floating-rate asset-backed security includes an issuance with the following interest rate term: Prime rate + 100 basis points as of September 30, 2021.
(4)Repayment of this debt depends on the timing of principal and interest payments on the underlying private student loans. The date shown represents the final maturity date.
Schedule of Long-Term Borrowings Maturities The following table summarizes long-term borrowings maturing over the remainder of this year, over each of the next four years and thereafter (dollars in millions):
September 30, 2021
2021$— 
20225,188 
20233,324 
20243,738 
2025529 
Thereafter5,737 
Total$18,516 
XML 45 R34.htm IDEA: XBRL DOCUMENT v3.21.2
Preferred Stock (Tables)
 9 Months Ended
Sep. 30, 2021
Equity [Abstract]  
Schedule of Stock by Class
The table below presents a summary of the Company's non-cumulative perpetual preferred stock that is outstanding at September 30, 2021 (dollars in millions, except per depositary share amounts):
SeriesDescriptionInitial Issuance Date
Liquidation Preference and Redemption Price per Depositary Share(1)
Per Annum Dividend Rate in effect at September 30, 2021
Total Depositary Shares Authorized, Issued and OutstandingCarrying Value
September 30, 2021December 31, 2020September 30, 2021December 31, 2020
C(2)(3)(4)
Fixed-to-Floating Rate10/31/2017$1,000 5.500 %570,000 570,000 $563 $563 
D(2)(5)(6)
Fixed-Rate Reset6/22/2020$1,000 6.125 %500,000 500,000 493 493 
Total Preferred Stock1,070,000 1,070,000 $1,056 $1,056 
(1)Redeemable at the redemption price plus declared and unpaid dividends.
(2)Issued as depositary shares, each representing 1/100th interest in a share of the corresponding series of preferred stock. Each preferred share has a par value of $0.01.
(3)Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part on any dividend payment date on or after October 30, 2027, or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series C preferred stock).
(4)Any dividends declared are payable semi-annually in arrears at a rate of 5.50% per annum until October 30, 2027. Thereafter, dividends declared will be payable quarterly in arrears at a floating rate equal to 3-month LIBOR plus a spread of 3.076% per annum.
(5)Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part during the three-month period prior to, and including, each reset date (as defined in the certificate of designations for the Series D preferred stock) or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series D Preferred Stock).
(6)Any dividends declared are payable semi-annually in arrears at a rate of 6.125% per annum until September 23, 2025, after which the dividend rate will reset every five years to a fixed annual rate equal to the 5-year Treasury plus a spread of 5.783%.
XML 46 R35.htm IDEA: XBRL DOCUMENT v3.21.2
Accumulated Other Comprehensive Income (Tables)
 9 Months Ended
Sep. 30, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
Schedule of Changes in Accumulated Other Comprehensive Income (Loss) Changes in each component of accumulated other comprehensive income ("AOCI") were as follows (dollars in millions):
Unrealized Gains on Available-for-Sale Investment Securities, Net of TaxLosses on Cash Flow Hedges, Net of TaxLosses on Pension Plan, Net of TaxAOCI
For the Three Months Ended September 30, 2021
Balance at June 30, 2021$198 $(10)$(227)$(39)
Net change(29)— — (29)
Balance at September 30, 2021$169 $(10)$(227)$(68)
For the Three Months Ended September 30, 2020
Balance at June 30, 2020$352 $(16)$(214)$122 
Net change(32)3 — (29)
Balance at September 30, 2020$320 $(13)$(214)$93 
For the Nine Months Ended September 30, 2021
Balance at December 31, 2020$284 $(12)$(227)$45 
Net change(115)2 — (113)
Balance at September 30, 2021$169 $(10)$(227)$(68)
For the Nine Months Ended September 30, 2020
Balance at December 31, 2019$112 $(17)$(214)$(119)
Net change208 4 — 212 
Balance at September 30, 2020$320 $(13)$(214)$93 
Schedule of Other Comprehensive Income Before Reclassifications and Amounts Reclassified from AOCI The following table presents each component of other comprehensive income ("OCI") before reclassifications and amounts reclassified from AOCI for each component of OCI before- and after-tax (dollars in millions):
Before TaxTax Benefit (Expense)Net of Tax
For the Three Months Ended September 30, 2021
Available-for-Sale Investment Securities
Net unrealized holding losses arising during the period$(38)$9 $(29)
Net change$(38)$9 $(29)
Cash Flow Hedges
Net unrealized gains arising during the period$— $1 $1 
Amounts reclassified from AOCI— (1)(1)
Net change$— $— $— 
For the Three Months Ended September 30, 2020
Available-for-Sale Investment Securities
Net unrealized holding losses arising during the period$(42)$10 $(32)
Net change$(42)$10 $(32)
Cash Flow Hedges
Amounts reclassified from AOCI$4 $(1)$3 
Net change$4 $(1)$3 
For the Nine Months Ended September 30, 2021
Available-for-Sale Investment Securities
Net unrealized holding losses arising during the period$(152)$37 $(115)
Net change$(152)$37 $(115)
Cash Flow Hedges
Net unrealized gains arising during the period$— $1 $1 
Amounts reclassified from AOCI2 (1)1 
Net change$2 $— $2 
For the Nine Months Ended September 30, 2020
Available-for-Sale Investment Securities
Net unrealized holding gains arising during the period$275 $(67)$208 
Net change$275 $(67)$208 
Cash Flow Hedges
Net unrealized losses arising during the period$(7)$3 $(4)
Amounts reclassified from AOCI11 (3)8 
Net change$4 $— $4 
XML 47 R36.htm IDEA: XBRL DOCUMENT v3.21.2
Income Taxes (Tables)
 9 Months Ended
Sep. 30, 2021
Income Tax Disclosure [Abstract]  
Schedule of Effective Income Tax Rate Calculation The following table presents the calculation of the Company's effective income tax rate (dollars in millions):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Income before income taxes$1,402 $959 $5,703 $420 
Income tax expense$311 $188 $1,321 $78 
Effective income tax rate22.2 %19.6 %23.2 %18.6 %
XML 48 R37.htm IDEA: XBRL DOCUMENT v3.21.2
Earnings Per Share (Tables)
 9 Months Ended
Sep. 30, 2021
Earnings Per Share [Abstract]  
Schedule of Basic and Diluted EPS The following table presents the calculation of basic and diluted earnings per share ("EPS") (dollars and shares in millions, except per share amounts):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Numerator
Net income$1,091 $771 $4,382 $342 
Preferred stock dividends(30)(15)(69)(31)
Net income available to common stockholders1,061 756 4,313 311 
Income allocated to participating securities(6)(5)(24)(2)
Net income allocated to common stockholders$1,055 $751 $4,289 $309 
Denominator
Weighted-average shares of common stock outstanding298 306 303 307 
Effect of dilutive common stock equivalents— — — — 
Weighted-average shares of common stock outstanding and common stock equivalents298 306 303 307 
Basic earnings per common share$3.54 $2.45 $14.17 $1.00 
Diluted earnings per common share$3.54 $2.45 $14.16 $1.00 
XML 49 R38.htm IDEA: XBRL DOCUMENT v3.21.2
Capital Adequacy (Tables)
 9 Months Ended
Sep. 30, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
Schedule of Minimum and Well-Capitalized Requirements
The following table shows the actual capital amounts and ratios of DFS and Discover Bank and comparisons of each to the regulatory minimum and "well-capitalized" requirements (dollars in millions):
 ActualMinimum Capital
Requirements		Capital Requirements
To Be Classified as
Well-Capitalized
 Amount
Ratio(1)
AmountRatio
Amount(2)
Ratio(2)
September 30, 2021
Total capital (to risk-weighted assets)
Discover Financial Services$16,924 18.5 %$7,309 
≥8.0%
$9,136 
≥10.0%
Discover Bank$15,905 17.7 %$7,186 
≥8.0%
$8,982 
≥10.0%
Tier 1 capital (to risk-weighted assets)
Discover Financial Services$15,235 16.7 %$5,482 
≥6.0%
$5,482 
≥6.0%
Discover Bank$13,935 15.5 %$5,389 
≥6.0%
$7,186 
≥8.0%
Tier 1 capital (to average assets)
Discover Financial Services$15,235 13.8 %$4,424 
≥4.0%
N/AN/A
Discover Bank$13,935 12.8 %$4,353 
≥4.0%
$5,441 
≥5.0%
Common Equity Tier 1 (to risk-weighted assets)
Discover Financial Services$14,179 15.5 %$4,111 
≥4.5%
N/AN/A
Discover Bank$13,935 15.5 %$4,042 
≥4.5%
$5,839 
≥6.5%
December 31, 2020
Total capital (to risk-weighted assets)
Discover Financial Services$14,711 16.1 %$7,298 
≥8.0%
$9,123 
≥10.0%
Discover Bank$14,507 16.1 %$7,214 
≥8.0%
$9,018 
≥10.0%
Tier 1 capital (to risk-weighted assets)
Discover Financial Services$13,006 14.3 %$5,474 
≥6.0%
$5,474 
≥6.0%
Discover Bank$12,415 13.8 %$5,411 
≥6.0%
$7,214 
≥8.0%
Tier 1 capital (to average assets)
Discover Financial Services$13,006 10.9 %$4,757 
≥4.0%
N/AN/A
Discover Bank$12,415 10.5 %$4,709 
≥4.0%
$5,886 
≥5.0%
Common Equity Tier 1 (to risk-weighted assets)
Discover Financial Services$11,950 13.1 %$4,105 
≥4.5%
N/AN/A
Discover Bank$12,415 13.8 %$4,058 
≥4.5%
$5,862 
≥6.5%
    
(1)Capital ratios are calculated based on the Basel III standardized approach rules, subject to applicable transition provisions, including CECL transition provisions.
(2)The Basel III rules do not establish well-capitalized thresholds for these measures for bank holding companies. Existing well-capitalized thresholds established in the Federal Reserve's Regulation Y have been included where available.
XML 50 R39.htm IDEA: XBRL DOCUMENT v3.21.2
Commitments, Contingencies and Guarantees (Tables)
 9 Months Ended
Sep. 30, 2021
Guarantor Obligations [Line Items]  
Schedule of Maximum Potential Counterparty Exposures Related to Settlement Guarantees and Merchant Chargeback Guarantee
The following table summarizes certain information regarding merchant chargeback guarantees (dollars in millions):
 For the Three Months Ended September 30,For the Nine Months Ended September 30,
 2021202020212020
Aggregate sales transaction volume(1)
$58,107 $46,128 $160,717 $125,214 
(1)Represents transactions processed on the Discover Network for which a potential liability exists that, in aggregate, can differ from credit card sales volume.
XML 51 R40.htm IDEA: XBRL DOCUMENT v3.21.2
Fair Value Measurements (Tables)
 9 Months Ended
Sep. 30, 2021
Fair Value Disclosures [Abstract]  
Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis
Assets and liabilities measured at fair value on a recurring basis are as follows (dollars in millions):
Quoted Price in Active Markets
for Identical
Assets 
(Level 1)		Significant
Other
Observable
Inputs 
(Level 2)		Significant
Unobservable
Inputs 
(Level 3)		Total
Balance at September 30, 2021
Assets
Fair value - OCI
United States Treasury and U.S. GSE securities$7,571 $9 $— $7,580 
Residential mortgage-backed securities - Agency— 211 — 211 
Available-for-sale investment securities$7,571 $220 $— $7,791 
Fair value - Net income
Marketable equity securities$600 $— $— $600 
Derivative financial instruments - fair value hedges(1)
$— $1 $— $1 
Balance at December 31, 2020
Assets
Fair value - OCI
United States Treasury securities$9,354 $— $— $9,354 
Residential mortgage-backed securities - Agency— 300 — 300 
Available-for-sale investment securities$9,354 $300 $— $9,654 
Fair value - Net income
Derivative financial instruments - fair value hedges(1)
$— $1 $— $1 
(1)Derivative instrument carrying values in an asset or liability position are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition.
Schedule of Financial Instruments Measured at Other Than Fair Value
The following tables disclose the estimated fair value of the Company's financial assets and financial liabilities that are not required to be carried at fair value (dollars in millions):
Balance at September 30, 2021Quoted Prices in Active Markets
for Identical
Assets
(Level 1)		Significant
Other
Observable
Inputs (Level 2)		Significant
Unobservable
Inputs (Level 3)		TotalCarrying
Value
Assets
Amortized cost
Residential mortgage-backed securities - Agency$— $227 $— $227 $223 
Held-to-maturity investment securities$— $227 $— $227 $223 
Net loan receivables$— $— $90,019 $90,019 $82,681 
Carrying value approximates fair value(1)
Cash and cash equivalents$12,716 $— $— $12,716 $12,716 
Restricted cash$32 $— $— $32 $32 
Accrued interest receivables(2)
$— $968 $— $968 $968 
Liabilities
Amortized cost
Time deposits(3)
$— $22,300 $— $22,300 $21,831 
Long-term borrowings - owed to securitization investors$— $9,014 $110 $9,124 $9,064 
Other long-term borrowings— 10,204 — 10,204 9,452 
Long-term borrowings$— $19,218 $110 $19,328 $18,516 
Carrying value approximates fair value(1)
Accrued interest payables(2)
$— $124 $— $124 $124 
Balance at December 31, 2020Quoted Prices in Active Markets
for Identical
Assets
(Level 1)		Significant
Other
Observable
Inputs (Level 2)		Significant
Unobservable
Inputs (Level 3)		TotalCarrying
Value
Assets
Amortized cost
Residential mortgage-backed securities - Agency$— $269 $— $269 $260 
Held-to-maturity investment securities$— $269 $— $269 $260 
Net loan receivables$— $— $91,200 $91,200 $82,223 
Carrying value approximates fair value(1)
Cash and cash equivalents$13,564 $— $— $13,564 $13,564 
Restricted cash$25 $— $— $25 $25 
Other short-term investments$2,200 $— $— $2,200 $2,200 
Accrued interest receivables(2)
$— $992 $— $992 $992 
Liabilities
Amortized cost
Time deposits(3)
$— $29,090 $— $29,090 $28,269 
Long-term borrowings - owed to securitization investors$— $10,794 $130 $10,924 $10,840 
Other long-term borrowings— 11,418 — 11,418 10,401 
Long-term borrowings$— $22,212 $130 $22,342 $21,241 
Carrying value approximates fair value(1)
Accrued interest payables(2)
$— $233 $— $233 $233 
(1)The carrying values of these assets and liabilities approximate fair value due to their short-term nature.
(2)Accrued interest receivable and payable carrying values are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition.
(3)Excludes deposits without contractually defined maturities for all periods presented.
XML 52 R41.htm IDEA: XBRL DOCUMENT v3.21.2
Derivatives and Hedging Activities (Tables)
 9 Months Ended
Sep. 30, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
Schedule of Fair Value and Outstanding Notional Amounts of Derivative Instruments and Related Collateral Balances
The following table summarizes the fair value (including accrued interest) and outstanding notional amounts of derivative instruments and related collateral balances (dollars in millions):
 September 30, 2021December 31, 2020
 Notional
Amount		Number of Outstanding Derivative ContractsDerivative AssetsDerivative LiabilitiesNotional
Amount		Derivative AssetsDerivative Liabilities
Derivatives designated as hedges
Interest rate swaps—cash flow hedge$250 1 $— $— $250 $— $— 
Interest rate swaps—fair value hedge$8,275 10 1 — $11,625 1 — 
Derivatives not designated as hedges
Foreign exchange forward contracts(1)
$26 6 — — $24 — — 
Interest rate swaps$5 1 — — $— — — 
Total gross derivative assets/liabilities(2)
1 — 1 — 
Less: collateral held/posted(3)
— — — — 
Total net derivative assets/liabilities$1 $— $1 $— 
(1)The foreign exchange forward contracts have notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 788 million as of September 30, 2021, and notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 596 million as of December 31, 2020.
(2)In addition to the derivatives disclosed in the table, the Company enters into forward contracts to purchase when-issued mortgage-backed securities as part of its community reinvestment initiatives. At September 30, 2021, the Company had no outstanding contracts. At December 31, 2020, the Company had one outstanding contract with a total notional amount of $27 million and an immaterial fair value.
(3)Collateral amounts, which consist of cash and investment securities, are limited to the related derivative asset/liability balance and do not include excess collateral received/pledged.
Schedule of Hedged Items in Fair Value Hedging Relationship The following amounts were recorded on the statements of financial condition related to cumulative basis adjustments for fair value hedges (dollars in millions):
September 30, 2021December 31, 2020
Carrying Amount of Hedged LiabilityCumulative Amount of Fair Value Hedging Adjustment Increasing the Carrying Amount of Hedged LiabilityCarrying Amount of Hedged LiabilitiesCumulative Amount of Fair Value Hedging Adjustment Increasing the Carrying Amount of Hedged Liability
Long-term borrowings$8,885 $115 $11,881 $281 
Schedule of Impact of the Derivative Instruments on Income
The following table summarizes the impact of the derivative instruments on income and indicates where within the condensed consolidated financial statements such impact is reported (dollars in millions):
Location and Amount of (Losses) Gains Recognized on the Condensed Consolidated Statements of Income
Interest Expense
Deposits
Long-Term Borrowings
Other Income
For the Three Months Ended September 30, 2021
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded$(156)$(113)$18 
The effects of cash flow and fair value hedging
Gains (losses) on cash flow hedging relationship
Amounts reclassified from OCI into earnings$— $— $— 
Gains on fair value hedging relationships
Gains on hedged items$— $45 $— 
Gains (losses) on interest rate swaps— (9)— 
Total gains on fair value hedging relationships$— $36 $— 
For the Three Months Ended September 30, 2020
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded$(287)$(126)$17 
The effects of cash flow and fair value hedging
Gains on cash flow hedging relationship
Amounts reclassified from OCI into earnings$(4)$— $— 
Gains on fair value hedging relationships
Gains on hedged items$— $59 $— 
Gains (losses) on interest rate swaps— (9)— 
Total gains on fair value hedging relationships$— $50 $— 
The effects of derivatives not designated in hedging relationships
Gains (losses) on derivatives not designated as hedges
$— $— $(1)
Location and Amount of (Losses) Gains Recognized on the Condensed Consolidated Statements of Income
Interest Expense
Deposits
Long-Term Borrowings
Other Income
For the Nine Months Ended September 30, 2021
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded$(519)$(356)$47 
The effects of cash flow and fair value hedging
Gains (losses) on cash flow hedging relationship
Amounts reclassified from OCI into earnings$— $(2)$— 
Gains on fair value hedging relationships
Gains on hedged items$— $167 $— 
Gains (losses) on interest rate swaps— (38)— 
Total gains on fair value hedging relationships$— $129 $— 
For the Nine Months Ended September 30, 2020
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded$(1,000)$(479)$59 
The effects of cash flow and fair value hedging
Losses on cash flow hedging relationship
Amounts reclassified from OCI into earnings$(9)$(2)$— 
Gains on fair value hedging relationship
Gains (losses) on hedged items$— $(326)$— 
Gains on interest rate swaps— 434 — 
Total gains on fair value hedging relationships$— $108 $— 
XML 53 R42.htm IDEA: XBRL DOCUMENT v3.21.2
Segment Disclosures (Tables)
 9 Months Ended
Sep. 30, 2021
Segment Reporting [Abstract]  
Schedule of Segment Disclosures
The following table presents segment data (dollars in millions):
Digital
Banking		Payment
Services		Total
For the Three Months Ended September 30, 2021
Interest income
Credit card loans$2,193 $— $2,193 
Private student loans184 — 184 
Personal loans219 — 219 
Other loans30 — 30 
Other interest income48 — 48 
Total interest income2,674 — 2,674 
Interest expense269 — 269 
Net interest income2,405 — 2,405 
Provision for credit losses185 — 185 
Other income (loss)447 (75)372 
Other expense1,151 39 1,190 
Income (loss) before income taxes$1,516 $(114)$1,402 
For the Three Months Ended September 30, 2020
Interest income
Credit card loans$2,171 $— $2,171 
Private student loans182 — 182 
Personal loans237 — 237 
Other loans27 — 27 
Other interest income64 — 64 
Total interest income2,681 — 2,681 
Interest expense416 — 416 
Net interest income2,265 — 2,265 
Provision for credit losses750 — 750 
Other income371 78 449 
Other expense969 36 1,005 
Income before income taxes$917 $42 $959 
Digital
Banking		Payment
Services		Total
For the Nine Months Ended September 30, 2021
Interest income
Credit card loans$6,452 $— $6,452 
Private student loans554 — 554 
Personal loans662 — 662 
Other loans85 — 85 
Other interest income156 — 156 
Total interest income7,909 — 7,909 
Interest expense875 — 875 
Net interest income7,034 — 7,034 
Provision for credit losses(45)— (45)
Other income1,284 833 2,117 
Other expense3,290 203 3,493 
Income before income tax expense$5,073 $630 $5,703 
For the Nine Months Ended September 30, 2020
Interest income
Credit card loans$6,760 $— $6,760 
Private student loans569 — 569 
Personal loans722 — 722 
Other loans78 — 78 
Other interest income206 — 206 
Total interest income8,335 — 8,335 
Interest expense1,482 — 1,482 
Net interest income6,853 — 6,853 
Provision for credit losses4,603 — 4,603 
Other income1,091 320 1,411 
Other expense3,069 172 3,241 
Income before income tax expense$272 $148 $420 
XML 54 R43.htm IDEA: XBRL DOCUMENT v3.21.2
Revenue from Contracts with Customers (Tables)
 9 Months Ended
Sep. 30, 2021
Revenue from Contract with Customer [Abstract]  
Schedule of Revenue from Contracts with Customers Disaggregated by Business Segment
The following table presents revenue from contracts with customers disaggregated by business segment and reconciles revenue from contracts with customers to total other income (dollars in millions):
Digital BankingPayment ServicesTotal
For the Three Months Ended September 30, 2021
Other income subject to ASC 606
Discount and interchange revenue, net(1)
$280 $19 $299 
Protection products revenue43 — 43 
Transaction processing revenue— 58 58 
Other income3 15 18 
Total other income subject to ASC 606(2)
326 92 418 
Other income not subject to ASC 606
Loan fee income121 — 121 
Unrealized gains (losses) on equity investments— (167)(167)
Total other income (loss) not subject to ASC 606121 (167)(46)
Total other income (loss) by operating segment$447 $(75)$372 
For the Three Months Ended September 30, 2020
Other income subject to ASC 606
Discount and interchange revenue, net(1)
$225 $13 $238 
Protection products revenue44 — 44 
Transaction processing revenue— 50 50 
Other income2 15 17 
Total other income subject to ASC 606(2)
271 78 349 
Other income not subject to ASC 606
Loan fee income100 — 100 
Total other income not subject to ASC 606100 — 100 
Total other income by operating segment$371 $78 $449 
Digital BankingPayment ServicesTotal
For the Nine Months Ended September 30, 2021
Other income subject to ASC 606
Discount and interchange revenue, net(1)
$826 $53 $879 
Protection products revenue129 — 129 
Transaction processing revenue— 167 167 
Other (loss) income(4)51 47 
Total other income subject to ASC 606(2)
951 271 1,222 
Other income not subject to ASC 606
Loan fee income333 — 333 
Unrealized gains on equity investments— 562 562 
Total other income not subject to ASC 606333 562 895 
Total other income by operating segment$1,284 $833 $2,117 
For the Nine Months Ended September 30, 2020
Other income subject to ASC 606
Discount and interchange revenue, net(1)
$644 $47 $691 
Protection products revenue135 — 135 
Transaction processing revenue— 143 143 
Other income8 51 59 
Total other income subject to ASC 606(2)
787 241 1,028 
Other income not subject to ASC 606
Loan fee income304 — 304 
Realized gains on equity investments— 79 79 
Total other income not subject to ASC 606304 79 383 
Total other income by operating segment$1,091 $320 $1,411 
(1)Net of rewards, including Cashback Bonus rewards, of $689 million and $514 million for the three months ended September 30, 2021 and 2020, respectively, and $1.8 billion and $1.4 billion for the nine months ended September 30, 2021 and 2020, respectively.
(2)Excludes deposit product fees that are reported within net interest income, which were immaterial for the three and nine months ended September 30, 2021 and 2020.
XML 55 R44.htm IDEA: XBRL DOCUMENT v3.21.2
Background and Basis of Presentation (Narrative) (Details)
 9 Months Ended
Sep. 30, 2021
segment
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Number of reportable segments (in number of segments) 2
XML 56 R45.htm IDEA: XBRL DOCUMENT v3.21.2
Investments (Narrative) (Details)
 3 Months Ended 9 Months Ended
Sep. 30, 2021
USD ($)
securities
Sep. 30, 2020
USD ($)
Sep. 30, 2021
USD ($)
securities
Sep. 30, 2020
USD ($)
Dec. 31, 2020
USD ($)
securities
Investment Holdings [Line Items]          
Proceeds from the sale of available-for-sale securities $ 5,000,000 $ 0 $ 5,000,000 $ 0  
Recognized gains (losses) on available-for-sale securities   0   0  
Contingent liabilities related to equity method investments 0   0    
Unrealized (losses) gains on equity investments $ (167,000,000) $ 0 $ 562,000,000 $ 0  
US Treasury and Government          
Investment Holdings [Line Items]          
Available-for-sale investment securities, continuous unrealized loss position, number of securities | securities 3   3   0
Available-for-sale investment securities, continuous unrealized loss position, less than 12 months, fair value $ 118,000,000   $ 118,000,000    
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 0   0    
Payment Services [Member]          
Investment Holdings [Line Items]          
Equity securities without readily determinable fair value 31,000,000   31,000,000   $ 35,000,000
Community Reinvestment Act [Member]          
Investment Holdings [Line Items]          
Affordable housing project equity method investments 324,000,000   324,000,000   324,000,000
Contingent liabilities related to affordable housing project equity method investments 52,000,000   52,000,000   79,000,000
Other Assets [Member] | Payment Services [Member]          
Investment Holdings [Line Items]          
Fair value of marketable equity securities 600,000,000   600,000,000   8,000,000
Other Assets [Member] | Community Reinvestment Act [Member]          
Investment Holdings [Line Items]          
Equity method investments 366,000,000   366,000,000   353,000,000
Other Liabilities [Member] | Community Reinvestment Act [Member]          
Investment Holdings [Line Items]          
Contingent liabilities related to equity method investments $ 64,000,000   $ 64,000,000   $ 93,000,000
XML 57 R46.htm IDEA: XBRL DOCUMENT v3.21.2
Investments (Schedule of Investment Securities) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Investment Holdings [Line Items]    
Other short-term investments $ 0 $ 2,200
Investment securities 8,014 9,914
US Treasury Bill Securities [Member] | Asset Not Pledged as Collateral [Member]    
Investment Holdings [Line Items]    
Other short-term investments [1] 0 2,200
US Treasury and Government    
Investment Holdings [Line Items]    
Investment securities [2],[3] 7,580 9,354
Residential Mortgage-Backed Securities - Agency [Member] | Asset Not Pledged as Collateral [Member]    
Investment Holdings [Line Items]    
Investment securities [2] 434 560
U.S. Treasury Securities [Member]    
Investment Holdings [Line Items]    
Derivative collateral $ 56 $ 117
[1] (1)Includes United States Treasury bills with maturity dates greater than 90 days but less than one year at the time of acquisition.
[2] Consists of securities issued by Fannie Mae, Freddie Mac, Ginnie Mae, or the Federal Home Loan Bank.
[3] Includes $56 million and $117 million of United States Treasury securities pledged as swap collateral as of September 30, 2021 and December 31, 2020, respectively.
XML 58 R47.htm IDEA: XBRL DOCUMENT v3.21.2
Investments (Schedule of Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Fair Value) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Investment Holdings [Line Items]    
Available-for-sale investment securities, amortized cost [1] $ 7,566 $ 9,277
Available-for-sale investment securities, gross unrealized gains [1] 225 377
Available-for-sale investment securities, gross unrealized losses [1] 0 0
Available-for-sale investment securities, fair value [1] 7,791 9,654
Held-to-maturity investment securities, amortized cost [2] 223 260
Held-to-maturity investment securities, gross unrealized gains [2] 5 9
Held-to-maturity investment securities, gross unrealized losses [2] (1) 0
Held-to-maturity investment securities, fair value [2] 227 269
US Treasury and Government    
Investment Holdings [Line Items]    
Available-for-sale investment securities, amortized cost [1] 7,362  
Available-for-sale investment securities, gross unrealized gains [1] 218  
Available-for-sale investment securities, gross unrealized losses [1] 0  
Available-for-sale investment securities, fair value [1] 7,580  
U.S. Treasury Securities [Member]    
Investment Holdings [Line Items]    
Available-for-sale investment securities, amortized cost [1]   8,987
Available-for-sale investment securities, gross unrealized gains [1]   367
Available-for-sale investment securities, gross unrealized losses [1]   0
Available-for-sale investment securities, fair value [1]   9,354
Residential Mortgage-Backed Securities - Agency [Member]    
Investment Holdings [Line Items]    
Available-for-sale investment securities, amortized cost [1] 204 [3] 290
Available-for-sale investment securities, gross unrealized gains [1] 7 10
Available-for-sale investment securities, gross unrealized losses [1] 0 0
Available-for-sale investment securities, fair value [1] 211 [3] 300
Held-to-maturity investment securities, amortized cost [2],[4] 223 [3] 260
Held-to-maturity investment securities, gross unrealized gains [2],[4] 5 9
Held-to-maturity investment securities, gross unrealized losses [2],[4] (1) 0
Held-to-maturity investment securities, fair value [2],[4] $ 227 [3] $ 269
[1] Available-for-sale investment securities are reported at fair value.
[2] Held-to-maturity investment securities are reported at amortized cost.
[3] Maturities of RMBS are reflective of the contractual maturities of the investment.
[4] Amounts represent residential mortgage-backed securities ("RMBS") that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.
XML 59 R48.htm IDEA: XBRL DOCUMENT v3.21.2
Investments (Schedule of Maturities of Available-for-Sale Debt Securities and Held-to-Maturity Debt Securities) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Investment Holdings [Line Items]    
Available-for-sale investment securities, debt maturities, one year or less, amortized cost $ 2,618  
Available-for-sale investment securities, debt maturities, after one year through five years, amortized cost 4,758  
Available-for-sale investment securities, debt maturities, after five years through ten years, amortized cost 183  
Available-for-sale investment securities, debt maturities, after ten years, amortized cost 7  
Available-for-sale investment securities, amortized cost [1] 7,566 $ 9,277
Held-to-maturity investment securities, debt maturities, one year or less, amortized cost 0  
Held-to-maturity investment securities, debt maturities, after one year through five years, amortized cost 0  
Held-to-maturity investment securities, debt maturities, after five years through ten years, amortized cost 0  
Held-to-maturity investment securities, debt maturities, after ten years, amortized cost 223  
Held-to-maturity investment securities, amortized cost [2] 223 260
Available-for-sale investment securities, debt maturities, one year or less, fair value 2,643  
Available-for-sale investment securities, debt maturities, after one year through five years, fair value 4,952  
Available-for-sale investment securities, debt maturities, after five years through ten years, fair value 188  
Available-for-sale investment securities, debt maturities, after ten years, fair value 8  
Available-for-sale investment securities, fair value [1] 7,791 9,654
Held-to-maturity investment securities, debt maturities, one year or less, fair value 0  
Held-to-maturity investment securities, debt maturities, after one year through five years, fair value 0  
Held-to-maturity investment securities, debt maturities, after five years through ten years, fair value 0  
Held-to-maturity investment securities, debt maturities, after ten years, fair value 227  
Held-to-maturity investment securities, fair value [2] 227 269
U.S. Treasury Securities [Member]    
Investment Holdings [Line Items]    
Available-for-sale investment securities, amortized cost [1]   8,987
Available-for-sale investment securities, fair value [1]   9,354
US Treasury and Government    
Investment Holdings [Line Items]    
Available-for-sale investment securities, debt maturities, one year or less, amortized cost 2,616  
Available-for-sale investment securities, debt maturities, after one year through five years, amortized cost 4,737  
Available-for-sale investment securities, debt maturities, after five years through ten years, amortized cost 9  
Available-for-sale investment securities, debt maturities, after ten years, amortized cost 0  
Available-for-sale investment securities, amortized cost [1] 7,362  
Available-for-sale investment securities, debt maturities, one year or less, fair value 2,641  
Available-for-sale investment securities, debt maturities, after one year through five years, fair value 4,931  
Available-for-sale investment securities, debt maturities, after five years through ten years, fair value 8  
Available-for-sale investment securities, debt maturities, after ten years, fair value 0  
Available-for-sale investment securities, fair value [1] 7,580  
Residential Mortgage-Backed Securities - Agency [Member]    
Investment Holdings [Line Items]    
Available-for-sale investment securities, debt maturities, one year or less, amortized cost [3] 2  
Available-for-sale investment securities, debt maturities, after one year through five years, amortized cost [3] 21  
Available-for-sale investment securities, debt maturities, after five years through ten years, amortized cost [3] 174  
Available-for-sale investment securities, debt maturities, after ten years, amortized cost [3] 7  
Available-for-sale investment securities, amortized cost [1] 204 [3] 290
Held-to-maturity investment securities, debt maturities, one year or less, amortized cost [3] 0  
Held-to-maturity investment securities, debt maturities, after one year through five years, amortized cost [3] 0  
Held-to-maturity investment securities, debt maturities, after five years through ten years, amortized cost [3] 0  
Held-to-maturity investment securities, debt maturities, after ten years, amortized cost [3] 223  
Held-to-maturity investment securities, amortized cost [2],[4] 223 [3] 260
Available-for-sale investment securities, debt maturities, one year or less, fair value [3] 2  
Available-for-sale investment securities, debt maturities, after one year through five years, fair value [3] 21  
Available-for-sale investment securities, debt maturities, after five years through ten years, fair value [3] 180  
Available-for-sale investment securities, debt maturities, after ten years, fair value [3] 8  
Available-for-sale investment securities, fair value [1] 211 [3] 300
Held-to-maturity investment securities, debt maturities, one year or less, fair value [3] 0  
Held-to-maturity investment securities, debt maturities, after one year through five years, fair value [3] 0  
Held-to-maturity investment securities, debt maturities, after five years through ten years, fair value [3] 0  
Held-to-maturity investment securities, debt maturities, after ten years, fair value [3] 227  
Held-to-maturity investment securities, fair value [2],[4] $ 227 [3] $ 269
[1] Available-for-sale investment securities are reported at fair value.
[2] Held-to-maturity investment securities are reported at amortized cost.
[3] Maturities of RMBS are reflective of the contractual maturities of the investment.
[4] Amounts represent residential mortgage-backed securities ("RMBS") that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.
XML 60 R49.htm IDEA: XBRL DOCUMENT v3.21.2
Loan Receivables (Narrative) (Details)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
USD ($)
Jun. 30, 2021
USD ($)
Mar. 31, 2021
Dec. 31, 2020
USD ($)
Sep. 30, 2020
USD ($)
Jun. 30, 2020
USD ($)
Mar. 31, 2020
Sep. 30, 2021
USD ($)
segment
Sep. 30, 2020
USD ($)
Jan. 01, 2020
USD ($)
Dec. 31, 2019
USD ($)
 [1]
Accounts, Notes, Loans and Financing Receivable [Line Items]                      
Number of loan portfolio segments (in segments) | segment               2      
Allowance for credit losses $ 6,861 $ 7,026   $ 8,226 $ 8,226 $ 8,184   $ 6,861 $ 8,226 $ 5,844 $ 3,383
Allowance for credit losses, period increase (decrease) $ (165)             $ (1,400)      
Expected Future Peak Unemployment Rate 6.10%             6.10%      
Expected EOY Unemployment Rate 5.50%             5.50%      
Expected EOY2 Unemployment Rate 4.00%             4.00%      
Expected EY Annualized Increase in GDP 6.40%             6.40%      
Expected EOY2 Annualized Increase in GDP 3.50%             3.50%      
Reasonable and supportable forecast period 18 months 18 months 18 months 18 months 18 months 18 months 12 months        
Reversion period               12 months 12 months    
Percentage of defaulted loans that were charged off at the end of the month in which they defaulted (in percent) 62.00%       65.00%     66.00% 52.00%    
Minimum [Member]                      
Accounts, Notes, Loans and Financing Receivable [Line Items]                      
Delinquent Loan Qualification Period               30 days      
Private Student Loans [Member]                      
Accounts, Notes, Loans and Financing Receivable [Line Items]                      
Private student loans in repayment $ 5,300     $ 5,700       $ 5,300      
Private student loans in forbearance 63     117       $ 63      
Personal Loans [Member]                      
Accounts, Notes, Loans and Financing Receivable [Line Items]                      
Maximum period of payment reduction for the temporary reduced payment program (in months)               12 months      
Maximum repayment term for permanent modification programs (in years)               9 years      
Credit Card Loans [Member]                      
Accounts, Notes, Loans and Financing Receivable [Line Items]                      
Allowance for credit losses 5,298 $ 5,409   $ 6,491 $ 6,491 $ 6,491   $ 5,298 $ 6,491 $ 4,550 $ 2,883
Credit Card Loans [Member] | Credit Card Loans [Member]                      
Accounts, Notes, Loans and Financing Receivable [Line Items]                      
Maximum period of payment reduction for the temporary reduced payment program (in months)               12 months      
Interest and fees forgiven due to credit card loan modification program $ 7       $ 13     $ 28 $ 52    
Credit Card Loans [Member] | Credit Card Loans [Member] | Maximum [Member]                      
Accounts, Notes, Loans and Financing Receivable [Line Items]                      
Permanent workout program maturity (in months)               72 months      
[1] Prior to the adoption of Accounting Standards Update ("ASU") No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.
XML 61 R50.htm IDEA: XBRL DOCUMENT v3.21.2
Loan Receivables (Schedule of Loan Receivables) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Jun. 30, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Jan. 01, 2020
Dec. 31, 2019
 [1]
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Loan receivables $ 89,542   $ 90,449        
Allowance for credit losses (6,861) $ (7,026) (8,226) $ (8,226) $ (8,184) $ (5,844) $ (3,383)
Net loan receivables 82,681   82,223        
Variable Interest Entity, Primary Beneficiary [Member]              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Loan receivables 24,751   27,546        
Allowance for credit losses (1,436)   (1,936)        
Credit Card Securitization Trusts [Member] | Variable Interest Entity, Primary Beneficiary [Member]              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Loan receivables [2] 24,536   27,296        
Allowance for credit losses [2] (1,436)   (1,936)        
Net loan receivables 23,100   25,360        
Seller's interest 11,640   10,575        
Private Student Loan Securitization Trusts [Member] | Variable Interest Entity, Primary Beneficiary [Member]              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Loan receivables 215   250        
Credit Card Loans [Member]              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Loan receivables [3],[4] 70,320   71,472        
Allowance for credit losses (5,298) (5,409) (6,491) (6,491) (6,491) (4,550) (2,883)
Accrued interest receivable 379   420        
Credit Card Loans [Member] | Credit Card Securitization Trusts [Member] | Variable Interest Entity, Primary Beneficiary [Member]              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Investors' interest 12,900   16,700        
Seller's interest 11,600   10,600        
Total Other Loans [Member]              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Loan receivables [5] 19,222   18,977        
Total Other Loans [Member] | Private Student Loans [Member]              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Loan receivables [5],[6] 10,184   9,954        
Allowance for credit losses (857) (828) (840) (840) (799) (653) (148)
Accrued interest receivable 503   469        
Total Other Loans [Member] | Private Student Loans [Member] | Private Student Loan Securitization Trusts [Member] | Variable Interest Entity, Primary Beneficiary [Member]              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Loans pledged as collateral 215   250        
Total Other Loans [Member] | Personal Loans [Member]              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Loan receivables [5] 6,890   7,177        
Allowance for credit losses (662) (745) (857) (857) (857) (613) (348)
Accrued interest receivable 41   49        
Total Other Loans [Member] | Other Loans [Member]              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Loan receivables [5] 2,148   1,846        
Allowance for credit losses (44) $ (44) (38) $ (38) $ (37) $ (28) $ (4)
Accrued interest receivable $ 6   $ 6        
[1] Prior to the adoption of Accounting Standards Update ("ASU") No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.
[2] The Company maintains its allowance for credit losses at an amount equal to lifetime expected credit losses associated with all loan receivables, which includes all loan receivables in the trusts. Therefore, the credit risk associated with the transferred receivables is fully reflected on the Company's statements of financial condition in accordance with GAAP.
[3] Amounts include carrying values of $12.9 billion and $16.7 billion underlying investors' interest in trust debt at September 30, 2021 and December 31, 2020, respectively, and $11.6 billion and $10.6 billion in seller's interest at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
[4] Unbilled accrued interest receivable on credit card loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $379 million and $420 million at September 30, 2021 and December 31, 2020, respectively.
[5] Accrued interest receivable on private student, personal and other loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $503 million, $41 million and $6 million, respectively, at September 30, 2021 and $469 million, $49 million and $6 million, respectively, at December 31, 2020.
[6] Amounts include carrying values of $215 million and $250 million in loans pledged as collateral against the notes issued from a private student loan securitization trust at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
XML 62 R51.htm IDEA: XBRL DOCUMENT v3.21.2
Loan Receivables (Schedule of Credit Risk Profile by FICO Score and Origination Year) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables $ 89,542 $ 90,449
Revolving line-of-credit arrangements that were converted to term loans as a result of a TDR program, ending balance 881 1,000
Credit Card Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables [1],[2] 70,320 71,472
Credit Card Loans [Member] | FICO Score, 660 and Above [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, credit card [3] $ 59,005 $ 58,950
FICO distribution %, credit card [3] 84.00% 82.00%
Credit Card Loans [Member] | FICO Score, Less Than 660 Or No Score [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, credit card [3] $ 11,315 $ 12,522
FICO distribution %, credit card [3] 16.00% 18.00%
Total Other Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables [4] $ 19,222 $ 18,977
Total Other Loans [Member] | Private Student Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables [4],[5] 10,184 9,954
Total Other Loans [Member] | Private Student Loans [Member] | FICO Score, 660 and Above [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, originated in 2021 [6],[7] $ 1,011  
FICO distribution %, originated in 2021 [6],[7] 94.00%  
Loan receivables, originated in 2020 [6],[7] $ 1,593 $ 1,173
FICO distribution %, originated in 2020 [6],[7] 97.00% 95.00%
Loan receivables, originated in 2019 [6],[7] $ 1,485 $ 1,659
FICO distribution %, originated in 2019 [6],[7] 96.00% 96.00%
Loan receivables, originated in 2018 [6],[7] $ 1,185 $ 1,365
FICO distribution %, originated in 2018 [6],[7] 95.00% 96.00%
Loan receivables, originated in 2017 [6],[7] $ 898 $ 1,052
FICO distribution %, originated in 2017 [6],[7] 95.00% 95.00%
Loan receivables, originated prior to 2017 [6],[7] $ 3,521 $ 4,219
FICO distribution %, originated prior to 2017 [6],[7] 95.00% 94.00%
Loan receivables [6],[7] $ 9,693 $ 9,468
FICO distribution %, loan receivables [6],[7] 95.00% 95.00%
Total Other Loans [Member] | Private Student Loans [Member] | FICO Score, Less Than 660 Or No Score [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, originated in 2021 [6],[7] $ 70  
FICO distribution %, originated in 2021 [6],[7] 6.00%  
Loan receivables, originated in 2020 [6],[7] $ 54 $ 60
FICO distribution %, originated in 2020 [6],[7] 3.00% 5.00%
Loan receivables, originated in 2019 [6],[7] $ 56 $ 61
FICO distribution %, originated in 2019 [6],[7] 4.00% 4.00%
Loan receivables, originated in 2018 [6],[7] $ 58 $ 61
FICO distribution %, originated in 2018 [6],[7] 5.00% 4.00%
Loan receivables, originated in 2017 [6],[7] $ 52 $ 57
FICO distribution %, originated in 2017 [6],[7] 5.00% 5.00%
Loan receivables, originated prior to 2017 [6],[7] $ 201 $ 247
FICO distribution %, originated prior to 2017 [6],[7] 5.00% 6.00%
Loan receivables [6],[7] $ 491 $ 486
FICO distribution %, loan receivables [6],[7] 5.00% 5.00%
Total Other Loans [Member] | Personal Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables [4] $ 6,890 $ 7,177
Total Other Loans [Member] | Personal Loans [Member] | FICO Score, 660 and Above [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, originated in 2021 $ 2,541  
FICO distribution %, originated in 2021 99.00%  
Loan receivables, originated in 2020 $ 1,921 $ 2,880
FICO distribution %, originated in 2020 98.00% 99.00%
Loan receivables, originated in 2019 $ 1,291 $ 2,183
FICO distribution %, originated in 2019 95.00% 96.00%
Loan receivables, originated in 2018 $ 550 $ 1,018
FICO distribution %, originated in 2018 92.00% 92.00%
Loan receivables, originated in 2017 $ 276 $ 558
FICO distribution %, originated in 2017 88.00% 89.00%
Loan receivables, originated prior to 2017 $ 87 $ 227
FICO distribution %, originated prior to 2017 84.00% 86.00%
Loan receivables $ 6,666 $ 6,866
FICO distribution %, loan receivables 97.00% 96.00%
Total Other Loans [Member] | Personal Loans [Member] | FICO Score, Less Than 660 Or No Score [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, originated in 2021 $ 18  
FICO distribution %, originated in 2021 1.00%  
Loan receivables, originated in 2020 $ 37 $ 25
FICO distribution %, originated in 2020 2.00% 1.00%
Loan receivables, originated in 2019 $ 66 $ 90
FICO distribution %, originated in 2019 5.00% 4.00%
Loan receivables, originated in 2018 $ 51 $ 90
FICO distribution %, originated in 2018 8.00% 8.00%
Loan receivables, originated in 2017 $ 36 $ 69
FICO distribution %, originated in 2017 12.00% 11.00%
Loan receivables, originated prior to 2017 $ 16 $ 37
FICO distribution %, originated prior to 2017 16.00% 14.00%
Loan receivables $ 224 $ 311
FICO distribution %, loan receivables 3.00% 4.00%
[1] Amounts include carrying values of $12.9 billion and $16.7 billion underlying investors' interest in trust debt at September 30, 2021 and December 31, 2020, respectively, and $11.6 billion and $10.6 billion in seller's interest at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
[2] Unbilled accrued interest receivable on credit card loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $379 million and $420 million at September 30, 2021 and December 31, 2020, respectively.
[3] Amounts include $881 million and $1.0 billion of revolving line-of-credit arrangements that were converted to term loans as a result of a troubled debt restructuring ("TDR") program as of September 30, 2021 and December 31, 2020, respectively.
[4] Accrued interest receivable on private student, personal and other loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $503 million, $41 million and $6 million, respectively, at September 30, 2021 and $469 million, $49 million and $6 million, respectively, at December 31, 2020.
[5] Amounts include carrying values of $215 million and $250 million in loans pledged as collateral against the notes issued from a private student loan securitization trust at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
[6] A majority of private student loan originations occur in the third quarter and disbursements can span multiple calendar years.
[7] FICO score represents the higher credit score of the cosigner or borrower.
XML 63 R52.htm IDEA: XBRL DOCUMENT v3.21.2
Loan Receivables (Schedule of Delinquent Loans by Origination Year) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables $ 89,542 $ 90,449
Credit Card Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables [1],[2] 70,320 71,472
Total Other Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables [3] 19,222 18,977
Total Other Loans [Member] | Private Student Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables [3],[4] 10,184 9,954
Total Other Loans [Member] | Personal Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables [3] 6,890 7,177
30-89 Days Delinquent [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables 736 910
30-89 Days Delinquent [Member] | Credit Card Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, credit card 573 739
30-89 Days Delinquent [Member] | Total Other Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables 163 171
30-89 Days Delinquent [Member] | Total Other Loans [Member] | Private Student Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, originated in 2021 [5] 0  
Loan receivables, originated in 2020 [5] 4 0
Loan receivables, originated in 2019 [5] 11 3
Loan receivables, originated in 2018 [5] 14 9
Loan receivables, originated in 2017 [5] 15 12
Loan receivables, originated prior to 2017 [5] 78 86
Loan receivables [5] 122 110
30-89 Days Delinquent [Member] | Total Other Loans [Member] | Personal Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, originated in 2021 2  
Loan receivables, originated in 2020 7 5
Loan receivables, originated in 2019 12 18
Loan receivables, originated in 2018 8 15
Loan receivables, originated in 2017 5 10
Loan receivables, originated prior to 2017 2 5
Loan receivables 36 53
90 or More Days Delinquent [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables 522 795
90 or More Days Delinquent [Member] | Credit Card Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, credit card 467 739
90 or More Days Delinquent [Member] | Total Other Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables 55 56
90 or More Days Delinquent [Member] | Total Other Loans [Member] | Private Student Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, originated in 2021 [5] 0  
Loan receivables, originated in 2020 [5] 1 0
Loan receivables, originated in 2019 [5] 2 1
Loan receivables, originated in 2018 [5] 4 3
Loan receivables, originated in 2017 [5] 5 4
Loan receivables, originated prior to 2017 [5] 24 20
Loan receivables [5] 36 28
90 or More Days Delinquent [Member] | Total Other Loans [Member] | Personal Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, originated in 2021 0  
Loan receivables, originated in 2020 2 2
Loan receivables, originated in 2019 5 9
Loan receivables, originated in 2018 3 7
Loan receivables, originated in 2017 2 5
Loan receivables, originated prior to 2017 1 2
Loan receivables 13 25
Total Past Due [Member] | Credit Card Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, credit card 1,040 1,478
Total Past Due [Member] | Total Other Loans [Member] | Private Student Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, originated in 2021 [5] 0  
Loan receivables, originated in 2020 [5] 5 0
Loan receivables, originated in 2019 [5] 13 4
Loan receivables, originated in 2018 [5] 18 12
Loan receivables, originated in 2017 [5] 20 16
Loan receivables, originated prior to 2017 [5] 102 106
Loan receivables [5] 158 138
Total Past Due [Member] | Total Other Loans [Member] | Personal Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loan receivables, originated in 2021 2  
Loan receivables, originated in 2020 9 7
Loan receivables, originated in 2019 17 27
Loan receivables, originated in 2018 11 22
Loan receivables, originated in 2017 7 15
Loan receivables, originated prior to 2017 3 7
Loan receivables $ 49 $ 78
[1] Amounts include carrying values of $12.9 billion and $16.7 billion underlying investors' interest in trust debt at September 30, 2021 and December 31, 2020, respectively, and $11.6 billion and $10.6 billion in seller's interest at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
[2] Unbilled accrued interest receivable on credit card loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $379 million and $420 million at September 30, 2021 and December 31, 2020, respectively.
[3] Accrued interest receivable on private student, personal and other loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $503 million, $41 million and $6 million, respectively, at September 30, 2021 and $469 million, $49 million and $6 million, respectively, at December 31, 2020.
[4] Amounts include carrying values of $215 million and $250 million in loans pledged as collateral against the notes issued from a private student loan securitization trust at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
[5] Private student loans may include a deferment period, during which customers are not required to make payments while enrolled in school at least half time as determined by the school. During a deferment period, these loans do not advance into delinquency.
XML 64 R53.htm IDEA: XBRL DOCUMENT v3.21.2
Loan Receivables (Schedule of Changes in the Allowance for Credit Losses) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Jan. 01, 2020
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Allowance for credit losses, balance at beginning of period $ 3,383 [1] $ 7,026 $ 8,184 $ 8,226 $ 3,383 [1]
Provision for credit losses(1) [2]   160 710 (47) 4,586
Charge-offs   (556) (842) (1,991) (2,767)
Recoveries   231 174 673 563
Net charge-offs   (325) (668) (1,318) (2,204)
Allowance for credit losses, balance at end of period 5,844 6,861 8,226 6,861 8,226
Cumulative effect of ASU No. 2016-13 adoption [3] 2,461        
Credit loss build (release) on unfunded commitments   25 40 2 17
Credit Card Loans [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Allowance for credit losses, balance at beginning of period 2,883 [1] 5,409 6,491 6,491 2,883 [1]
Provision for credit losses(1) [2]   178 604 (18) 3,916
Charge-offs   (495) (759) (1,778) (2,480)
Recoveries   206 155 603 505
Net charge-offs   (289) (604) (1,175) (1,975)
Allowance for credit losses, balance at end of period 4,550 5,298 6,491 5,298 6,491
Cumulative effect of ASU No. 2016-13 adoption [3] 1,667        
Total Other Loans [Member] | Private Student Loans [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Allowance for credit losses, balance at beginning of period 148 [1] 828 799 840 148 [1]
Provision for credit losses(1) [2]   46 55 61 233
Charge-offs   (23) (20) (63) (62)
Recoveries   6 6 19 16
Net charge-offs   (17) (14) (44) (46)
Allowance for credit losses, balance at end of period 653 857 840 857 840
Cumulative effect of ASU No. 2016-13 adoption [3] 505        
Total Other Loans [Member] | Personal Loans [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Allowance for credit losses, balance at beginning of period 348 [1] 745 857 857 348 [1]
Provision for credit losses(1) [2]   (64) 49 (96) 426
Charge-offs   (38) (62) (150) (224)
Recoveries   19 13 51 42
Net charge-offs   (19) (49) (99) (182)
Allowance for credit losses, balance at end of period 613 662 857 662 857
Cumulative effect of ASU No. 2016-13 adoption [3] 265        
Total Other Loans [Member] | Other Loans [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Allowance for credit losses, balance at beginning of period 4 [1] 44 37 38 4 [1]
Provision for credit losses(1) [2]   0 2 6 11
Charge-offs   0 (1) 0 (1)
Recoveries   0 0 0 0
Net charge-offs   0 (1) 0 (1)
Allowance for credit losses, balance at end of period 28 $ 44 $ 38 $ 44 $ 38
Cumulative effect of ASU No. 2016-13 adoption [3] $ 24        
[1] Prior to the adoption of Accounting Standards Update ("ASU") No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.
[2] Excludes a $25 million and $40 million reclassification of the liability for expected credit losses on unfunded commitments for the three months ended September 30, 2021 and 2020, respectively, and $2 million and $17 million for the nine months ended September 30, 2021 and 2020, respectively, as the liability is recorded in accrued expenses and other liabilities in the Company's condensed consolidated statements of financial condition.
[3] Represents the adjustment to the allowance for credit losses due to the adoption of ASU No. 2016-13 on January 1, 2020.
XML 65 R54.htm IDEA: XBRL DOCUMENT v3.21.2
Loan Receivables (Schedule of Net Charge-offs of Interest and Fee Revenues on Loan Receivables) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Receivables [Abstract]        
Interest and fees accrued subsequently charged-off, net of recoveries (recorded as a reduction of interest income) $ 57 $ 114 $ 232 $ 393
Fees accrued subsequently charged-off, net of recoveries (recorded as a reduction to other income) $ 15 $ 27 $ 59 $ 95
XML 66 R55.htm IDEA: XBRL DOCUMENT v3.21.2
Loan Receivables (Schedule of Delinquent and Non-Accruing Loans) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Dec. 31, 2020
Financing Receivable, Past Due [Line Items]          
Loan receivables, 90 or more days delinquent and accruing $ 479   $ 479   $ 737
Loan receivables, total non-accruing [1] 232   232   243
Loan receivables 89,542   89,542   90,449
30-89 Days Delinquent [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables 736   736   910
90 or More Days Delinquent [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables 522   522   795
Financial Asset, Past Due          
Financing Receivable, Past Due [Line Items]          
Loan receivables 1,258   1,258   1,705
Credit Card Loans [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables, 90 or more days delinquent and accruing 430   430   687
Loan receivables, total non-accruing [1] 201   201   209
Loan receivables [2],[3] 70,320   70,320   71,472
Estimated gross interest income that would have been recorded based on original terms 6 $ 7 21 $ 25  
Credit Card Loans [Member] | 30-89 Days Delinquent [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables, credit card 573   573   739
Credit Card Loans [Member] | 90 or More Days Delinquent [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables, credit card 467   467   739
Credit Card Loans [Member] | Financial Asset, Past Due          
Financing Receivable, Past Due [Line Items]          
Loan receivables, credit card 1,040   1,040   1,478
Total Other Loans [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables, 90 or more days delinquent and accruing 49   49   50
Loan receivables, total non-accruing [1] 31   31   34
Loan receivables [4] 19,222   19,222   18,977
Total Other Loans [Member] | 30-89 Days Delinquent [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables 163   163   171
Total Other Loans [Member] | 90 or More Days Delinquent [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables 55   55   56
Total Other Loans [Member] | Financial Asset, Past Due          
Financing Receivable, Past Due [Line Items]          
Loan receivables 218   218   227
Total Other Loans [Member] | Private Student Loans [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables, 90 or more days delinquent and accruing 35   35   27
Loan receivables, total non-accruing [1] 8   8   12
Loan receivables [4],[5] 10,184   10,184   9,954
Total Other Loans [Member] | Private Student Loans [Member] | 30-89 Days Delinquent [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables [6] 122   122   110
Total Other Loans [Member] | Private Student Loans [Member] | 90 or More Days Delinquent [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables [6] 36   36   28
Total Other Loans [Member] | Private Student Loans [Member] | Financial Asset, Past Due          
Financing Receivable, Past Due [Line Items]          
Loan receivables 158   158   138
Total Other Loans [Member] | Personal Loans [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables, 90 or more days delinquent and accruing 12   12   23
Loan receivables, total non-accruing [1] 9   9   12
Loan receivables [4] 6,890   6,890   7,177
Total Other Loans [Member] | Personal Loans [Member] | 30-89 Days Delinquent [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables 36   36   53
Total Other Loans [Member] | Personal Loans [Member] | 90 or More Days Delinquent [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables 13   13   25
Total Other Loans [Member] | Personal Loans [Member] | Financial Asset, Past Due          
Financing Receivable, Past Due [Line Items]          
Loan receivables 49   49   78
Total Other Loans [Member] | Other Loans [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables, 90 or more days delinquent and accruing 2   2   0
Loan receivables, total non-accruing [1] 14   14   10
Loan receivables [4] 2,148   2,148   1,846
Total Other Loans [Member] | Other Loans [Member] | 30-89 Days Delinquent [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables 5   5   8
Total Other Loans [Member] | Other Loans [Member] | 90 or More Days Delinquent [Member]          
Financing Receivable, Past Due [Line Items]          
Loan receivables 6   6   3
Total Other Loans [Member] | Other Loans [Member] | Financial Asset, Past Due          
Financing Receivable, Past Due [Line Items]          
Loan receivables $ 11   $ 11   $ 11
[1] The Company estimates that the gross interest income that would have been recorded under the original terms of non-accruing credit card loans was $6 million and $7 million for the three months ended September 30, 2021 and 2020, respectively, and $21 million and $25 million for the nine months ended September 30, 2021 and 2020, respectively. The Company does not separately track the amount of gross interest income that would have been recorded under the original terms of loans. Instead, the Company estimated this amount based on customers' current balances and most recent interest rates.
[2] Amounts include carrying values of $12.9 billion and $16.7 billion underlying investors' interest in trust debt at September 30, 2021 and December 31, 2020, respectively, and $11.6 billion and $10.6 billion in seller's interest at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
[3] Unbilled accrued interest receivable on credit card loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $379 million and $420 million at September 30, 2021 and December 31, 2020, respectively.
[4] Accrued interest receivable on private student, personal and other loans, which is presented as part of other assets in the Company's condensed consolidated statements of financial condition, was $503 million, $41 million and $6 million, respectively, at September 30, 2021 and $469 million, $49 million and $6 million, respectively, at December 31, 2020.
[5] Amounts include carrying values of $215 million and $250 million in loans pledged as collateral against the notes issued from a private student loan securitization trust at September 30, 2021 and December 31, 2020, respectively. See Note 4: Credit Card and Private Student Loan Securitization Activities for additional information.
[6] Private student loans may include a deferment period, during which customers are not required to make payments while enrolled in school at least half time as determined by the school. During a deferment period, these loans do not advance into delinquency.
XML 67 R56.htm IDEA: XBRL DOCUMENT v3.21.2
Loan Receivables (Schedule of Loans That Entered a Modification Program During the Period) (Details)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
USD ($)
accounts
Sep. 30, 2020
USD ($)
accounts
Sep. 30, 2021
USD ($)
accounts
Sep. 30, 2020
USD ($)
accounts
Credit Card Loans [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Accounts that entered a TDR program during the period, number of accounts (in accounts) | accounts [1] 13,964 20,779 48,887 130,869
Accounts that entered a TDR program during the period, balances [1] $ 86 $ 150 $ 315 $ 875
Accounts that entered a TDR program during the period and were converted from revolving line-of-credit arrangements to term loans, balances $ 72 $ 143 $ 288 $ 529
Total Other Loans [Member] | Private Student Loans [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Accounts that entered a TDR program during the period, number of accounts (in accounts) | accounts 102 118 355 1,767
Accounts that entered a TDR program during the period, balances $ 2 $ 2 $ 7 $ 32
Total Other Loans [Member] | Personal Loans [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Accounts that entered a TDR program during the period, number of accounts (in accounts) | accounts 888 2,505 3,102 6,315
Accounts that entered a TDR program during the period, balances $ 10 $ 33 $ 38 $ 83
[1] Accounts that entered a credit card TDR program include $72 million and $143 million that were converted from revolving line-of-credit arrangements to term loans during the three months ended September 30, 2021 and 2020, respectively, and $288 million and $529 million for the nine months ended September 30, 2021 and 2020, respectively.
XML 68 R57.htm IDEA: XBRL DOCUMENT v3.21.2
Loan Receivables (Schedule of Troubled Debt Restructurings That Subsequently Defaulted) (Details)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
USD ($)
accounts
Sep. 30, 2020
USD ($)
accounts
Sep. 30, 2021
USD ($)
missed_payments
accounts
Sep. 30, 2020
USD ($)
accounts
Credit Card Loans [Member]        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
TDRs that subsequently defaulted, number of accounts (in accounts) | accounts [1],[2] 3,679 8,983 14,205 41,285
TDRs that subsequently defaulted, aggregated outstanding balances upon default | $ [1],[2] $ 21 $ 52 $ 84 $ 235
Amount of missed payments after which a customer defaults from a TDR program (in payments) | missed_payments     2  
Total Other Loans [Member] | Private Student Loans [Member]        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
TDRs that subsequently defaulted, number of accounts (in accounts) | accounts [3] 83 272 214 876
TDRs that subsequently defaulted, aggregated outstanding balances upon default | $ [3] $ 2 $ 6 $ 5 $ 18
Delinquency days to default (in days)     60 days  
Total Other Loans [Member] | Personal Loans [Member]        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
TDRs that subsequently defaulted, number of accounts (in accounts) | accounts [1] 399 624 1,287 2,446
TDRs that subsequently defaulted, aggregated outstanding balances upon default | $ [1] $ 6 $ 9 $ 18 $ 36
Amount of missed payments after which a customer defaults from a TDR program (in payments) | missed_payments     2  
[1] For credit card loans and personal loans, a customer defaults from a loan modification program after either two consecutive missed payments or at charge-off, depending on the program. The outstanding balance upon default is generally the loan balance at the end of the month prior to default.
[2] For credit card loans that default from a temporary program, accounts revert to the pre-modification terms and charging privileges remain suspended in most cases.
[3] For student loans, a customer defaults from a loan modification after they are 60 or more days delinquent. The outstanding balance upon default is generally the loan balance at the end of the month prior to default
XML 69 R58.htm IDEA: XBRL DOCUMENT v3.21.2
Credit Card and Private Student Loan Securitization Activities (Narrative) (Details)
 9 Months Ended
Sep. 30, 2021
classes
Variable Interest Entity, Primary Beneficiary [Member] | Discover Card Execution Note Trust [Member] | Credit Card Securitization Trusts [Member]  
Variable Interest Entity [Line Items]  
Number of classes of securities in debt structure (in classes) 4
XML 70 R59.htm IDEA: XBRL DOCUMENT v3.21.2
Credit Card and Private Student Loan Securitization Activities (Schedule of Restricted Credit Card Securitized Assets) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Jun. 30, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Jan. 01, 2020
Dec. 31, 2019
 [1]
Variable Interest Entity [Line Items]              
Restricted cash $ 32   $ 25 $ 576      
Loan receivables 89,542   90,449        
Allowance for credit losses allocated to securitized loan receivables (6,861) $ (7,026) (8,226) $ (8,226) $ (8,184) $ (5,844) $ (3,383)
Net loan receivables 82,681   82,223        
Other 3,858   3,586        
Total assets 108,544   112,889        
Variable Interest Entity, Primary Beneficiary [Member]              
Variable Interest Entity [Line Items]              
Restricted cash 32   25        
Loan receivables 24,751   27,546        
Allowance for credit losses allocated to securitized loan receivables (1,436)   (1,936)        
Other 4   4        
Variable Interest Entity, Primary Beneficiary [Member] | Credit Card Securitization Trusts [Member]              
Variable Interest Entity [Line Items]              
Restricted cash 23   16        
Investors' interests held by third-party investors 8,925   10,600        
Investors' interests held by wholly-owned subsidiaries of Discover Bank 3,971   6,121        
Seller's interest 11,640   10,575        
Loan receivables [2] 24,536   27,296        
Allowance for credit losses allocated to securitized loan receivables [2] (1,436)   (1,936)        
Net loan receivables 23,100   25,360        
Other 3   3        
Total assets $ 23,126   $ 25,379        
[1] Prior to the adoption of Accounting Standards Update ("ASU") No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.
[2] The Company maintains its allowance for credit losses at an amount equal to lifetime expected credit losses associated with all loan receivables, which includes all loan receivables in the trusts. Therefore, the credit risk associated with the transferred receivables is fully reflected on the Company's statements of financial condition in accordance with GAAP.
XML 71 R60.htm IDEA: XBRL DOCUMENT v3.21.2
Credit Card and Private Student Loan Securitization Activities (Schedule of Restricted Student Loan Securitized Assets) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Sep. 30, 2020
Variable Interest Entity [Line Items]      
Restricted cash $ 32 $ 25 $ 576
Loan receivables 89,542 90,449  
Total assets 108,544 112,889  
Variable Interest Entity, Primary Beneficiary [Member]      
Variable Interest Entity [Line Items]      
Restricted cash 32 25  
Loan receivables 24,751 27,546  
Variable Interest Entity, Primary Beneficiary [Member] | Private Student Loan Securitization Trusts [Member]      
Variable Interest Entity [Line Items]      
Restricted cash 9 9  
Loan receivables 215 250  
Total assets $ 224 $ 259  
XML 72 R61.htm IDEA: XBRL DOCUMENT v3.21.2
Intangible Assets (Details) - USD ($)
 3 Months Ended 6 Months Ended
Jun. 30, 2021
Jun. 30, 2020
Jun. 30, 2021
Jun. 30, 2020
Sep. 30, 2021
Dec. 31, 2020
Indefinite-lived Intangible Assets [Line Items]            
Intangible assets, net         $ 1,000,000 $ 95,000,000
Trade Names [Member]            
Indefinite-lived Intangible Assets [Line Items]            
Impairment of Intangible Assets, Indefinite-lived (Excluding Goodwill) $ 92,000,000 $ 36,000,000 $ 92,000,000 $ 36,000,000    
Intangible assets, net         0  
International Transaction Processing Rights [Member]            
Indefinite-lived Intangible Assets [Line Items]            
Impairment of Intangible Assets, Indefinite-lived (Excluding Goodwill)   $ 23,000,000   $ 23,000,000    
Intangible assets, net         $ 0  
XML 73 R62.htm IDEA: XBRL DOCUMENT v3.21.2
Deposits (Narrative) (Details)
 9 Months Ended
Sep. 30, 2021
channels
Deposits [Abstract]  
Deposits source channels (in number of channels) 2
XML 74 R63.htm IDEA: XBRL DOCUMENT v3.21.2
Deposits (Schedule of Interest Bearing Deposit Accounts) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Deposits [Abstract]    
Certificates of deposit in amounts less than $100,000 $ 14,592 $ 19,105
Certificates of deposit in amounts $100,000 or greater [1] 7,239 9,164
Savings deposits, including money market deposit accounts 49,295 47,426
Total interest-bearing deposits 71,126 75,695
Certificates of deposit equal to or greater than $250,000 $ 2,000 $ 2,600
[1] Includes $2.0 billion and $2.6 billion in certificates of deposit equal to or greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of September 30, 2021 and December 31, 2020, respectively.
XML 75 R64.htm IDEA: XBRL DOCUMENT v3.21.2
Deposits (Schedule of $100,000 or More Certificates of Deposit Maturities) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Deposits [Abstract]    
Three months or less $ 1,458  
Over three months through six months 1,640  
Over six months through twelve months 2,711  
Over twelve months 1,430  
Total [1] $ 7,239 $ 9,164
[1] Includes $2.0 billion and $2.6 billion in certificates of deposit equal to or greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of September 30, 2021 and December 31, 2020, respectively.
XML 76 R65.htm IDEA: XBRL DOCUMENT v3.21.2
Deposits (Schedule of Certificates of Deposit Maturities) (Details)
$ in Millions
Sep. 30, 2021
USD ($)
Deposits [Abstract]  
2021 $ 4,171
2022 11,133
2023 2,663
2024 1,451
2025 870
Thereafter 1,543
Total $ 21,831
XML 77 R66.htm IDEA: XBRL DOCUMENT v3.21.2
Long-Term Borrowings (Narrative) (Details) - Discover Card Master Trust I and Discover Card Execution Note Trust [Member] - Securitized Debt [Member]
$ in Billions
Sep. 30, 2021
USD ($)
Debt Instrument [Line Items]  
Total commitment of secured credit facilities $ 4.0
Total used commitment of secured credit facilities $ 0.0
XML 78 R67.htm IDEA: XBRL DOCUMENT v3.21.2
Long-Term Borrowings (Schedule of Long-Term Borrowings and Weighted Average Interest Rates) (Details) - USD ($)
$ in Millions
 9 Months Ended
Sep. 30, 2021
Dec. 31, 2020
Debt Instrument [Line Items]    
Long-term borrowings (in dollars) $ 18,516 $ 21,241
Variable Interest Entity, Primary Beneficiary [Member]    
Debt Instrument [Line Items]    
Long-term borrowings (in dollars) 9,064 10,840
Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member]    
Debt Instrument [Line Items]    
Long-term borrowings (in dollars) $ 8,954 10,710
Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Fixed-Rate Asset-Backed Securities [Member]    
Debt Instrument [Line Items]    
Weighted-average interest rate [1] 2.01%  
Long-term borrowings (in dollars) [1] $ 5,607 6,041
Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Fixed-Rate Asset-Backed Securities [Member] | Minimum [Member]    
Debt Instrument [Line Items]    
Interest rate [1] 0.58%  
Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Fixed-Rate Asset-Backed Securities [Member] | Maximum [Member]    
Debt Instrument [Line Items]    
Interest rate [1] 3.04%  
Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Floating-Rate Asset-Backed Securities [Member]    
Debt Instrument [Line Items]    
Weighted-average interest rate [2] 0.54%  
Long-term borrowings (in dollars) [2] $ 3,347 4,669
Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Floating-Rate Asset-Backed Securities [Member] | Minimum [Member]    
Debt Instrument [Line Items]    
Interest rate [2] 0.41%  
Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Floating-Rate Asset-Backed Securities [Member] | Maximum [Member]    
Debt Instrument [Line Items]    
Interest rate [2] 0.68%  
Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Floating-Rate Asset-Backed Securities [Member] | 1-Month LIBOR [Member]    
Debt Instrument [Line Items]    
Interest rate terms 1-month LIBOR + 33 to 60 basis points  
Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Floating-Rate Asset-Backed Securities [Member] | 1-Month LIBOR [Member] | Minimum [Member]    
Debt Instrument [Line Items]    
Basis spread on variable rate 0.33%  
Securitized Debt [Member] | Discover Card Master Trust I and Discover Card Execution Note Trust [Member] | Floating-Rate Asset-Backed Securities [Member] | 1-Month LIBOR [Member] | Maximum [Member]    
Debt Instrument [Line Items]    
Basis spread on variable rate 0.60%  
Securitized Debt [Member] | Student Loan Trust [Member]    
Debt Instrument [Line Items]    
Long-term borrowings (in dollars) $ 110 130
Securitized Debt [Member] | Student Loan Trust [Member] | Floating-Rate Asset-Backed Securities [Member]    
Debt Instrument [Line Items]    
Weighted-average interest rate [3],[4] 4.25%  
Long-term borrowings (in dollars) [3],[4] $ 110 130
Securitized Debt [Member] | Student Loan Trust [Member] | Floating-Rate Asset-Backed Securities [Member] | Minimum [Member]    
Debt Instrument [Line Items]    
Interest rate [3],[4] 4.25%  
Securitized Debt [Member] | Student Loan Trust [Member] | Floating-Rate Asset-Backed Securities [Member] | Maximum [Member]    
Debt Instrument [Line Items]    
Interest rate [3],[4] 4.25%  
Securitized Debt [Member] | Student Loan Trust [Member] | Floating-Rate Asset-Backed Securities [Member] | Prime Rate [Member]    
Debt Instrument [Line Items]    
Interest rate terms Prime rate + 100 basis points  
Basis spread on variable rate 1.00%  
Securitized Debt [Member] | Variable Interest Entity, Primary Beneficiary [Member]    
Debt Instrument [Line Items]    
Long-term borrowings (in dollars) $ 9,064 10,840
Corporate Debt Securities [Member] | Parent Company [Member] | Fixed-Rate Senior Notes [Member]    
Debt Instrument [Line Items]    
Weighted-average interest rate 4.16%  
Long-term borrowings (in dollars) $ 3,370 3,337
Corporate Debt Securities [Member] | Parent Company [Member] | Fixed-Rate Senior Notes [Member] | Minimum [Member]    
Debt Instrument [Line Items]    
Interest rate 3.75%  
Corporate Debt Securities [Member] | Parent Company [Member] | Fixed-Rate Senior Notes [Member] | Maximum [Member]    
Debt Instrument [Line Items]    
Interest rate 5.20%  
Corporate Debt Securities [Member] | Parent Company [Member] | Fixed-Rate Retail Notes [Member]    
Debt Instrument [Line Items]    
Weighted-average interest rate 3.75%  
Long-term borrowings (in dollars) $ 166 336
Corporate Debt Securities [Member] | Parent Company [Member] | Fixed-Rate Retail Notes [Member] | Minimum [Member]    
Debt Instrument [Line Items]    
Interest rate 2.85%  
Corporate Debt Securities [Member] | Parent Company [Member] | Fixed-Rate Retail Notes [Member] | Maximum [Member]    
Debt Instrument [Line Items]    
Interest rate 4.40%  
Senior Notes [Member] | Discover Bank [Member] | Fixed-Rate Senior Bank Notes [Member]    
Debt Instrument [Line Items]    
Weighted-average interest rate [1] 3.63%  
Long-term borrowings (in dollars) [1] $ 5,406 6,213
Senior Notes [Member] | Discover Bank [Member] | Fixed-Rate Senior Bank Notes [Member] | Minimum [Member]    
Debt Instrument [Line Items]    
Interest rate [1] 2.45%  
Senior Notes [Member] | Discover Bank [Member] | Fixed-Rate Senior Bank Notes [Member] | Maximum [Member]    
Debt Instrument [Line Items]    
Interest rate [1] 4.65%  
Subordinated Debt [Member] | Discover Bank [Member] | Fixed-Rate Subordinated Bank Notes [Member]    
Debt Instrument [Line Items]    
Weighted-average interest rate [1] 4.68%  
Long-term borrowings (in dollars) [1] $ 510 $ 515
Subordinated Debt [Member] | Discover Bank [Member] | Fixed-Rate Subordinated Bank Notes [Member] | Minimum [Member]    
Debt Instrument [Line Items]    
Interest rate [1] 4.68%  
Subordinated Debt [Member] | Discover Bank [Member] | Fixed-Rate Subordinated Bank Notes [Member] | Maximum [Member]    
Debt Instrument [Line Items]    
Interest rate [1] 4.68%  
[1] The Company uses interest rate swaps to hedge portions of these long-term borrowings against changes in fair value attributable to changes in the London Interbank Offered Rate ("LIBOR") or Overnight Index Swap ("OIS") Rate. The use of these interest rate swaps impacts the carrying value of the debt. See Note 16: Derivatives and Hedging Activities.
[2] DCENT floating-rate asset-backed securities include issuances with the following interest rate terms: 1-month LIBOR + 33 to 60 basis points as of September 30, 2021.
[3] Repayment of this debt depends on the timing of principal and interest payments on the underlying private student loans. The date shown represents the final maturity date.
[4] The private student loan securitization trust floating-rate asset-backed security includes an issuance with the following interest rate term: Prime rate + 100 basis points as of September 30, 2021.
XML 79 R68.htm IDEA: XBRL DOCUMENT v3.21.2
Long-Term Borrowings (Schedule of Long-Term Borrowings Maturities) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Debt Disclosure [Abstract]    
2021 $ 0  
2021R 0  
2022 5,188  
2023 3,324  
2024 3,738  
2025 529  
Thereafter 5,737  
Total $ 18,516 $ 21,241
XML 80 R69.htm IDEA: XBRL DOCUMENT v3.21.2
Preferred Stock (Details) - USD ($)
$ / shares in Units, $ in Millions
 9 Months Ended
Jul. 22, 2020
Oct. 31, 2017
Sep. 30, 2021
Dec. 31, 2020
Class of Stock [Line Items]        
Preferred stock, par or stated value per share     $ 0.01 $ 0.01
Series C Preferred Stock [Member]        
Class of Stock [Line Items]        
Preferred stock, initial issue date [1]   Oct. 31, 2017    
Preferred stock, earliest redemption date     Oct. 30, 2027  
Series D Preferred Stock        
Class of Stock [Line Items]        
Preferred stock, initial issue date [1] Jun. 22, 2020      
Preferred Stock [Member]        
Class of Stock [Line Items]        
Preferred stock, depositary shares issued (in number of depositary shares)     1,070,000 1,070,000
Proceeds from issuance of preferred stock, net     $ 1,056 $ 1,056
Preferred Stock [Member] | Series C Preferred Stock [Member]        
Class of Stock [Line Items]        
Preferred stock, liquidation preference per share [1],[2],[3]     $ 1,000  
Preferred stock, redemption price per share [1],[2],[3]     $ 1,000  
Preferred Stock, Dividend Rate, Percentage [1],[4]     5.50%  
Preferred stock, depositary shares issued (in number of depositary shares) [1]     570,000 570,000
Proceeds from issuance of preferred stock, net [1]     $ 563 $ 563
Depositary shares represented by one preferred share     100  
Preferred stock, par or stated value per share     $ 0.01  
Redemption period of preferred stock following regulatory capital treatment event     90 days  
Preferred stock dividend payment rate variable, rate to be used in future periods     3-month LIBOR  
Preferred Stock [Member] | Series C Preferred Stock [Member] | Three-Month London Interbank Offered Rate (LIBOR)        
Class of Stock [Line Items]        
Preferred stock basis spread on variable rate, rate to be used in future periods     3.076%  
Preferred Stock [Member] | Series D Preferred Stock        
Class of Stock [Line Items]        
Preferred stock, liquidation preference per share [1],[3],[5]     $ 1,000  
Preferred stock, redemption price per share [1],[3],[5]     $ 1,000  
Preferred Stock, Dividend Rate, Percentage [1],[6]     6.125%  
Preferred stock, depositary shares issued (in number of depositary shares) [1]     500,000 500,000
Proceeds from issuance of preferred stock, net [1]     $ 493 $ 493
Depositary shares represented by one preferred share     100  
Preferred stock, par or stated value per share     $ 0.01  
Redemption period of preferred stock following regulatory capital treatment event     90 days  
Preferred stock dividend payment rate variable, rate to be used in future periods     5-year Treasury  
Dividend rate reset     5 years  
Preferred Stock [Member] | Series D Preferred Stock | Five-Year Treasury Rate        
Class of Stock [Line Items]        
Preferred stock basis spread on variable rate, rate to be used in future periods     5.783%  
[1] Issued as depositary shares, each representing 1/100th interest in a share of the corresponding series of preferred stock. Each preferred share has a par value of $0.01.
[2] Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part on any dividend payment date on or after October 30, 2027, or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series C preferred stock).
[3] Redeemable at the redemption price plus declared and unpaid dividends.
[4] Any dividends declared are payable semi-annually in arrears at a rate of 5.50% per annum until October 30, 2027. Thereafter, dividends declared will be payable quarterly in arrears at a floating rate equal to 3-month LIBOR plus a spread of 3.076% per annum.
[5] Redeemable at the Company’s option, subject to regulatory approval, either (i) in whole or in part during the three-month period prior to, and including, each reset date (as defined in the certificate of designations for the Series D preferred stock) or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event (as defined in the certificate of designations for the Series D Preferred Stock).
[6] Any dividends declared are payable semi-annually in arrears at a rate of 6.125% per annum until September 23, 2025, after which the dividend rate will reset every five years to a fixed annual rate equal to the 5-year Treasury plus a spread of 5.783%.
XML 81 R70.htm IDEA: XBRL DOCUMENT v3.21.2
Accumulated Other Comprehensive Income (Schedule of Changes in Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Accumulated other comprehensive income (loss), net of tax, balance at beginning of period     $ 45  
Net change in accumulated other comprehensive income (loss), net of tax $ (29) $ (29) (113) $ 212
Accumulated other comprehensive income (loss), net of tax, balance at end of period (68)   (68)  
Unrealized Gains (Losses) on Available-for-Sale Investment Securities, Net of Tax [Member]        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Accumulated other comprehensive income (loss), net of tax, balance at beginning of period 198 352 284 112
Net change in accumulated other comprehensive income (loss), net of tax (29) (32) (115) 208
Accumulated other comprehensive income (loss), net of tax, balance at end of period 169 320 169 320
Gains (Losses) on Cash Flow Hedges, Net of Tax [Member]        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Accumulated other comprehensive income (loss), net of tax, balance at beginning of period (10) (16) (12) (17)
Net change in accumulated other comprehensive income (loss), net of tax 0 3 2 4
Accumulated other comprehensive income (loss), net of tax, balance at end of period (10) (13) (10) (13)
Gains (Losses) on Pension Plan, Net of Tax [Member]        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Accumulated other comprehensive income (loss), net of tax, balance at beginning of period (227) (214) (227) (214)
Net change in accumulated other comprehensive income (loss), net of tax 0 0 0 0
Accumulated other comprehensive income (loss), net of tax, balance at end of period (227) (214) (227) (214)
AOCI        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Accumulated other comprehensive income (loss), net of tax, balance at beginning of period (39) 122 45 (119)
Net change in accumulated other comprehensive income (loss), net of tax (29) (29) (113) 212
Accumulated other comprehensive income (loss), net of tax, balance at end of period $ (68) $ 93 $ (68) $ 93
XML 82 R71.htm IDEA: XBRL DOCUMENT v3.21.2
Accumulated Other Comprehensive Income (Schedule of Other Comprehensive Income Before Reclassifications and Amounts Reclassified from AOCI) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]        
Available-for-sale investment securities, net unrealized holding gains (losses) arising during the period, before tax $ (38) $ (42) $ (152) $ 275
Available-for-sale investment securities, net unrealized holding gains (losses) arising during the period, tax benefit (expense) 9 10 37 (67)
Available-for-sale investment securities, net unrealized holding gains (losses) arising during the period, net of tax (29) (32) (115) 208
Available-for-sale investment securities, net change, before tax (38) (42) (152) 275
Available-for-sale investment securities, net change, tax benefit (expense) 9 10 37 (67)
Available-for-sale investment securities, net change, net of tax (29) (32) (115) 208
Cash flow hedges, net unrealized gains (losses) arising during the period, before tax 0   0 (7)
Cash flow hedges, net unrealized gains (losses) arising during the period, tax benefit (expense) 1   1 3
Cash flow hedges, net unrealized gains (losses) arising during the period, net of tax 1   1 (4)
Cash flow hedges, amounts reclassified from AOCI, before tax 0 4 2 11
Cash flow hedges, amounts reclassified from AOCI, tax benefit (expense) (1) (1) (1) (3)
Cash flow hedges, amounts reclassified from AOCI, net of tax (1) 3 1 8
Cash flow hedges, net change, before tax 0 4 2 4
Cash flow hedges, net change, tax benefit (expense) 0 (1) 0 0
Cash flow hedges, net change, net of tax $ 0 $ 3 $ 2 $ 4
XML 83 R72.htm IDEA: XBRL DOCUMENT v3.21.2
Income Taxes (Narrative) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2021
Income Tax Disclosure [Abstract]    
Increase (decrease) in income tax expense/benefit, amount $ 123 $ 1,200
XML 84 R73.htm IDEA: XBRL DOCUMENT v3.21.2
Income Taxes (Schedule of Effective Income Tax Rate Calculation) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Income Tax Disclosure [Abstract]        
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest, Total $ 1,402 $ 959 $ 5,703 $ 420
Income tax expense $ 311 $ 188 $ 1,321 $ 78
Effective income tax rate (in percent) 22.20% 19.60% 23.20% 18.60%
XML 85 R74.htm IDEA: XBRL DOCUMENT v3.21.2
Earnings Per Share (Schedule of Basic and Diluted EPS ) (Details) - USD ($)
$ / shares in Units, shares in Millions, $ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Numerator:        
Net income $ 1,091 $ 771 $ 4,382 $ 342
Preferred stock dividends (30) (15) (69) (31)
Net income available to common stockholders 1,061 756 4,313 311
Income allocated to participating securities (6) (5) (24) (2)
Net income allocated to common stockholders 1,055 751 4,289 309
Net Income (Loss) Available to Common Stockholders, Diluted $ 1,055 $ 751 $ 4,289 $ 309
Denominator:        
Weighted-average shares of common stock outstanding 298 306 303 307
Effect of dilutive common stock equivalents 0 0 0 0
Weighted-average shares of common stock outstanding and common stock equivalents 298 306 303 307
Basic earnings per common share (in dollars per share) $ 3.54 $ 2.45 $ 14.17 $ 1.00
Diluted earnings per common share (in dollars per share) $ 3.54 $ 2.45 $ 14.16 $ 1.00
XML 86 R75.htm IDEA: XBRL DOCUMENT v3.21.2
Capital Adequacy (Schedule of Minimum and Well-Capitalized Requirements) (Details)
$ in Millions
Sep. 30, 2021
USD ($)
Dec. 31, 2020
USD ($)
Parent Company [Member]    
Compliance with Regulatory Capital Requirements [Line Items]    
Total capital to risk-weighted assets, actual amount $ 16,924 $ 14,711
Total capital to risk-weighted assets, actual ratio (in percent) [1] 0.185 0.161
Total capital to risk-weighted assets, minimum capital requirements, amount $ 7,309 $ 7,298
Total capital to risk-weighted assets, minimum capital requirements, ratio (in percent) 0.080 0.080
Total capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount [2] $ 9,136 $ 9,123
Total capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent) [2] 0.100 0.100
Tier I capital to risk-weighted assets, actual amount $ 15,235 $ 13,006
Tier I capital to risk-weighted assets, actual ratio (in percent) [1] 0.167 0.143
Tier I capital to risk-weighted assets, minimum capital requirements, amount $ 5,482 $ 5,474
Tier I capital to risk-weighted assets, minimum capital requirements, ratio (in percent) 0.060 0.060
Tier I capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount [2] $ 5,482 $ 5,474
Tier I capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent) [2] 0.060 0.060
Tier I capital to average assets, actual amount $ 15,235 $ 13,006
Tier I capital to average assets, actual ratio (in percent) [1] 0.138 0.109
Tier I capital to average assets, minimum capital requirements, amount $ 4,424 $ 4,757
Tier I capital to average assets, minimum capital requirements, ratio (in percent) 0.040 0.040
CET1 capital to risk-weighted assets, actual amount $ 14,179 $ 11,950
CET1 capital to risk-weighted assets, actual ratio (in percent) [1] 0.155 0.131
CET1 capital to risk-weighted assets, minimum capital requirements, amount $ 4,111 $ 4,105
CET1 capital to risk-weighted assets, minimum capital requirements, ratio (in percent) 4.50% 4.50%
Discover Bank [Member]    
Compliance with Regulatory Capital Requirements [Line Items]    
Total capital to risk-weighted assets, actual amount $ 15,905 $ 14,507
Total capital to risk-weighted assets, actual ratio (in percent) [1] 0.177 0.161
Total capital to risk-weighted assets, minimum capital requirements, amount $ 7,186 $ 7,214
Total capital to risk-weighted assets, minimum capital requirements, ratio (in percent) 0.080 0.080
Total capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount [2] $ 8,982 $ 9,018
Total capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent) [2] 0.100 0.100
Tier I capital to risk-weighted assets, actual amount $ 13,935 $ 12,415
Tier I capital to risk-weighted assets, actual ratio (in percent) [1] 0.155 0.138
Tier I capital to risk-weighted assets, minimum capital requirements, amount $ 5,389 $ 5,411
Tier I capital to risk-weighted assets, minimum capital requirements, ratio (in percent) 0.060 0.060
Tier I capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount [2] $ 7,186 $ 7,214
Tier I capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent) [2] 0.080 0.080
Tier I capital to average assets, actual amount $ 13,935 $ 12,415
Tier I capital to average assets, actual ratio (in percent) [1] 0.128 0.105
Tier I capital to average assets, minimum capital requirements, amount $ 4,353 $ 4,709
Tier I capital to average assets, minimum capital requirements, ratio (in percent) 0.040 0.040
Tier I capital to average assets, capital requirements to be classified as well-capitalized, amount [2] $ 5,441 $ 5,886
Tier I capital to average assets, capital requirements to be classified as well-capitalized, ratio (in percent) [2] 0.050 0.050
CET1 capital to risk-weighted assets, actual amount $ 13,935 $ 12,415
CET1 capital to risk-weighted assets, actual ratio (in percent) [1] 0.155 0.138
CET1 capital to risk-weighted assets, minimum capital requirements, amount $ 4,042 $ 4,058
CET1 capital to risk-weighted assets, minimum capital requirements, ratio (in percent) 4.50% 4.50%
CET1 capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount [2] $ 5,839 $ 5,862
CET1 capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent) [2] 6.50% 6.50%
[1] Capital ratios are calculated based on the Basel III standardized approach rules, subject to applicable transition provisions, including CECL transition provisions.
[2] The Basel III rules do not establish well-capitalized thresholds for these measures for bank holding companies. Existing well-capitalized thresholds established in the Federal Reserve's Regulation Y have been included where available.
XML 87 R76.htm IDEA: XBRL DOCUMENT v3.21.2
Commitments, Contingencies and Guarantees (Narrative) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Commitments, Contingencies and Guarantees [Line Items]    
Guarantor obligations, maximum exposure, undiscounted $ 80  
Contingent liabilities related to equity method investments 0  
Escrow deposits and settlement withholdings 15 $ 16
Commitments to Extend Credit [Member]    
Commitments, Contingencies and Guarantees [Line Items]    
Unused commitments to extend credit for loans $ 220,100  
XML 88 R77.htm IDEA: XBRL DOCUMENT v3.21.2
Commitments, Contingencies and Guarantees (Schedule of Maximum Potential Counterparty Exposures Related to Settlement Guarantees and Merchant Chargeback Guarantee) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Merchant Chargeback Guarantees [Member]        
Loss Contingencies [Line Items]        
Aggregate sales transaction volume [1] $ 58,107 $ 46,128 $ 160,717 $ 125,214
[1] Represents transactions processed on the Discover Network for which a potential liability exists that, in aggregate, can differ from credit card sales volume.
XML 89 R78.htm IDEA: XBRL DOCUMENT v3.21.2
Litigation and Regulatory Matters (Narrative) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Dec. 22, 2020
Sep. 30, 2021
Sep. 30, 2021
Loss Contingencies [Line Items]      
Litigation settlement, expense   $ 51 $ 54
Unfavorable Regulatory Action [Member] | Consumer Financial Protection Bureau Consent Order [Member]      
Loss Contingencies [Line Items]      
Amount of civil money penalty for consent order $ 25    
Maximum [Member] | Pending and Threatened Litigation [Member]      
Loss Contingencies [Line Items]      
Loss contingency, range of possible loss, portion not accrued   $ 250 $ 250
Minimum [Member] | Unfavorable Regulatory Action [Member] | Consumer Financial Protection Bureau Consent Order [Member]      
Loss Contingencies [Line Items]      
Loss contingency, estimate of possible loss $ 10    
XML 90 R79.htm IDEA: XBRL DOCUMENT v3.21.2
Fair Value Measurements (Narrative) (Details)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
USD ($)
Sep. 30, 2021
USD ($)
Fair Value, Nonrecurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impairment of assets measured at fair value on a non-recurring basis $ 0 $ 92
Residential Mortgage-Backed Securities - Agency [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale securities, par value $ 201 $ 201
Available for sale securities, weighted average coupon rate (in percent) 3.24% 3.24%
Available for sale securities, weighted average remaining maturity (in years)   2 years
XML 91 R80.htm IDEA: XBRL DOCUMENT v3.21.2
Fair Value Measurements (Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value [1] $ 7,791 $ 9,654
US Treasury and Government    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value [1] 7,580  
Residential Mortgage-Backed Securities - Agency [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value [1] 211 [2] 300
U.S. Treasury Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value [1]   9,354
Fair Value, Recurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value 7,791 9,654
Fair value of marketable equity securities 600  
Fair Value, Recurring [Member] | Interest Rate Swaps [Member] | Fair Value Hedging [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Derivative asset [3] 1 1
Fair Value, Recurring [Member] | US Treasury and Government    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value 7,580  
Fair Value, Recurring [Member] | Residential Mortgage-Backed Securities - Agency [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value 211 300
Fair Value, Recurring [Member] | U.S. Treasury Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value   9,354
Fair Value, Recurring [Member] | Level 1 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value 7,571 9,354
Fair value of marketable equity securities 600  
Fair Value, Recurring [Member] | Level 1 [Member] | Interest Rate Swaps [Member] | Fair Value Hedging [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Derivative asset [3] 0 0
Fair Value, Recurring [Member] | Level 1 [Member] | US Treasury and Government    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value 7,571  
Fair Value, Recurring [Member] | Level 1 [Member] | Residential Mortgage-Backed Securities - Agency [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value 0 0
Fair Value, Recurring [Member] | Level 1 [Member] | U.S. Treasury Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value   9,354
Fair Value, Recurring [Member] | Level 2 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value 220 300
Fair value of marketable equity securities 0  
Fair Value, Recurring [Member] | Level 2 [Member] | Interest Rate Swaps [Member] | Fair Value Hedging [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Derivative asset [3] 1 1
Fair Value, Recurring [Member] | Level 2 [Member] | US Treasury and Government    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value 9  
Fair Value, Recurring [Member] | Level 2 [Member] | Residential Mortgage-Backed Securities - Agency [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value 211 300
Fair Value, Recurring [Member] | Level 2 [Member] | U.S. Treasury Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value   0
Fair Value, Recurring [Member] | Level 3 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value 0 0
Fair value of marketable equity securities 0  
Fair Value, Recurring [Member] | Level 3 [Member] | Interest Rate Swaps [Member] | Fair Value Hedging [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Derivative asset [3] 0 0
Fair Value, Recurring [Member] | Level 3 [Member] | US Treasury and Government    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value 0  
Fair Value, Recurring [Member] | Level 3 [Member] | Residential Mortgage-Backed Securities - Agency [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value $ 0 0
Fair Value, Recurring [Member] | Level 3 [Member] | U.S. Treasury Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available-for-sale investment securities, fair value   $ 0
[1] Available-for-sale investment securities are reported at fair value.
[2] Maturities of RMBS are reflective of the contractual maturities of the investment.
[3] Derivative instrument carrying values in an asset or liability position are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition.
XML 92 R81.htm IDEA: XBRL DOCUMENT v3.21.2
Fair Value Measurements (Schedule of Financial Instruments Measured at Other Than Fair Value) (Details) - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Held-to-maturity investment securities [1] $ 227 $ 269
Residential Mortgage-Backed Securities - Agency [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Held-to-maturity investment securities [1],[2] 227 [3] 269
Estimated Fair Value [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Held-to-maturity investment securities 227 269
Net loan receivables 90,019 91,200
Cash and cash equivalents [4] 12,716 13,564
Restricted cash [4] 32 25
Other short-term investments, fair value [4]   2,200
Accrued interest receivables [4],[5] 968 992
Time deposits [6] 22,300 29,090
Long-term borrowings 19,328 22,342
Accrued interest payables [4],[5] 124 233
Estimated Fair Value [Member] | Variable Interest Entity, Primary Beneficiary [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Long-term borrowings 9,124 10,924
Estimated Fair Value [Member] | Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Long-term borrowings 10,204 11,418
Estimated Fair Value [Member] | Residential Mortgage-Backed Securities - Agency [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Held-to-maturity investment securities 227 269
Estimated Fair Value [Member] | Level 1 [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Held-to-maturity investment securities 0 0
Net loan receivables 0 0
Cash and cash equivalents [4] 12,716 13,564
Restricted cash [4] 32 25
Other short-term investments, fair value [4]   2,200
Accrued interest receivables [4],[5] 0 0
Time deposits [6] 0 0
Long-term borrowings 0 0
Accrued interest payables [4],[5] 0 0
Estimated Fair Value [Member] | Level 1 [Member] | Variable Interest Entity, Primary Beneficiary [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Long-term borrowings 0 0
Estimated Fair Value [Member] | Level 1 [Member] | Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Long-term borrowings 0 0
Estimated Fair Value [Member] | Level 1 [Member] | Residential Mortgage-Backed Securities - Agency [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Held-to-maturity investment securities 0 0
Estimated Fair Value [Member] | Level 2 [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Held-to-maturity investment securities 227 269
Net loan receivables 0 0
Cash and cash equivalents [4] 0 0
Restricted cash [4] 0 0
Other short-term investments, fair value [4]   0
Accrued interest receivables [4],[5] 968 992
Time deposits [6] 22,300 29,090
Long-term borrowings 19,218 22,212
Accrued interest payables [4],[5] 124 233
Estimated Fair Value [Member] | Level 2 [Member] | Variable Interest Entity, Primary Beneficiary [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Long-term borrowings 9,014 10,794
Estimated Fair Value [Member] | Level 2 [Member] | Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Long-term borrowings 10,204 11,418
Estimated Fair Value [Member] | Level 2 [Member] | Residential Mortgage-Backed Securities - Agency [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Held-to-maturity investment securities 227 269
Estimated Fair Value [Member] | Level 3 [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Held-to-maturity investment securities 0 0
Net loan receivables 90,019 91,200
Cash and cash equivalents [4] 0 0
Restricted cash [4] 0 0
Other short-term investments, fair value [4]   0
Accrued interest receivables [4],[5] 0 0
Time deposits [6] 0 0
Long-term borrowings 110 130
Accrued interest payables [4],[5] 0 0
Estimated Fair Value [Member] | Level 3 [Member] | Variable Interest Entity, Primary Beneficiary [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Long-term borrowings 110 130
Estimated Fair Value [Member] | Level 3 [Member] | Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Long-term borrowings 0 0
Estimated Fair Value [Member] | Level 3 [Member] | Residential Mortgage-Backed Securities - Agency [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Held-to-maturity investment securities 0 0
Carrying Value [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Held-to-maturity investment securities 223 260
Net loan receivables 82,681 82,223
Cash and cash equivalents [4] 12,716 13,564
Restricted cash [4] 32 25
Other short-term investments, fair value [4]   2,200
Accrued interest receivables [4],[5] 968 992
Time deposits [6] 21,831 28,269
Long-term borrowings 18,516 21,241
Accrued interest payables [4],[5] 124 233
Carrying Value [Member] | Variable Interest Entity, Primary Beneficiary [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Long-term borrowings 9,064 10,840
Carrying Value [Member] | Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Long-term borrowings 9,452 10,401
Carrying Value [Member] | Residential Mortgage-Backed Securities - Agency [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Held-to-maturity investment securities $ 223 $ 260
[1] Held-to-maturity investment securities are reported at amortized cost.
[2] Amounts represent residential mortgage-backed securities ("RMBS") that were classified as held-to-maturity as they were entered into as a part of the Company's community reinvestment initiatives.
[3] Maturities of RMBS are reflective of the contractual maturities of the investment.
[4] The carrying values of these assets and liabilities approximate fair value due to their short-term nature.
[5] Accrued interest receivable and payable carrying values are presented as part of other assets or accrued expenses and other liabilities, respectively, in the Company's condensed consolidated statements of financial condition.
[6] Excludes deposits without contractually defined maturities for all periods presented.
XML 93 R82.htm IDEA: XBRL DOCUMENT v3.21.2
Derivatives and Hedging Activities (Narrative) (Details)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
transactions
Sep. 30, 2021
USD ($)
transactions
Derivative [Line Items]    
DerivativeNumberOfTerminatedInstrumentsAssociatedWithCashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths 1 1
Interest Rate Swaps [Member] | Cash Flow Hedging [Member] | Designated as Hedges [Member]    
Derivative [Line Items]    
Derivative, number of outstanding derivative contracts (in transactions) 1 1
Interest Expense [Member]    
Derivative [Line Items]    
Cash flow hedge gain (loss) to be reclassified within twelve months | $   $ 3
Financing Receivable [Member]    
Derivative [Line Items]    
Initial maximum period for cash flow hedges (in years) 2 years 2 years
XML 94 R83.htm IDEA: XBRL DOCUMENT v3.21.2
Derivatives and Hedging Activities (Schedule of Fair Value and Outstanding Notional Amounts of Derivative Instruments and Related Collateral Balances) (Details)
€ in Millions, ₨ in Millions, £ in Millions, $ in Millions, $ in Millions
Sep. 30, 2021
USD ($)
transactions
Sep. 30, 2021
EUR (€)
transactions
Sep. 30, 2021
GBP (£)
transactions
Sep. 30, 2021
SGD ($)
transactions
Sep. 30, 2021
INR (₨)
transactions
Dec. 31, 2020
USD ($)
transactions
Dec. 31, 2020
EUR (€)
transactions
Dec. 31, 2020
GBP (£)
transactions
Dec. 31, 2020
SGD ($)
transactions
Dec. 31, 2020
INR (₨)
transactions
Derivatives, Fair Value [Line Items]                    
Derivative assets [1] $ 1         $ 1        
Derivative liabilities [1] 0         0        
Collateral held, derivative assets [2] 0         0        
Collateral posted, derivative liabilities [2] 0         0        
Total net derivative assets 1         1        
Total net derivative liabilities 0         0        
Designated as Hedges [Member] | Cash Flow Hedging [Member] | Interest Rate Swaps [Member]                    
Derivatives, Fair Value [Line Items]                    
Derivative, notional amount $ 250         250        
Derivative, number of outstanding derivative contracts (in transactions) | transactions 1 1 1 1 1          
Derivative assets $ 0         0        
Derivative liabilities 0         0        
Designated as Hedges [Member] | Fair Value Hedging [Member] | Interest Rate Swaps [Member]                    
Derivatives, Fair Value [Line Items]                    
Derivative, notional amount $ 8,275         11,625        
Derivative, number of outstanding derivative contracts (in transactions) | transactions 10 10 10 10 10          
Derivative assets $ 1         1        
Derivative liabilities 0         0        
Not Designated as Hedges [Member] | Interest Rate Swaps [Member]                    
Derivatives, Fair Value [Line Items]                    
Derivative, notional amount $ 5         0        
Derivative, number of outstanding derivative contracts (in transactions) | transactions 1 1 1 1 1          
Derivative assets $ 0         0        
Derivative liabilities 0         0        
Not Designated as Hedges [Member] | Foreign Exchange Forward [Member]                    
Derivatives, Fair Value [Line Items]                    
Derivative, notional amount $ 26 [3] € 6 £ 6 $ 1 ₨ 788 24 [3] € 6 £ 6 $ 1 ₨ 596
Derivative, number of outstanding derivative contracts (in transactions) | transactions 6 6 6 6 6          
Derivative assets $ 0         0        
Derivative liabilities $ 0         0        
Not Designated as Hedges [Member] | When-Issued Forward Contracts [Member]                    
Derivatives, Fair Value [Line Items]                    
Derivative, notional amount           $ 27        
Derivative, number of outstanding derivative contracts (in transactions) | transactions 0 0 0 0 0 1 1 1 1 1
[1] In addition to the derivatives disclosed in the table, the Company enters into forward contracts to purchase when-issued mortgage-backed securities as part of its community reinvestment initiatives. At September 30, 2021, the Company had no outstanding contracts. At December 31, 2020, the Company had one outstanding contract with a total notional amount of $27 million and an immaterial fair value.
[2] Collateral amounts, which consist of cash and investment securities, are limited to the related derivative asset/liability balance and do not include excess collateral received/pledged.
[3] The foreign exchange forward contracts have notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 788 million as of September 30, 2021, and notional amounts of EUR 6 million, GBP 6 million, SGD 1 million and INR 596 million as of December 31, 2020.
XML 95 R84.htm IDEA: XBRL DOCUMENT v3.21.2
Derivatives and Hedging Activities Derivatives and Hedging Activities (Schedule of Hedged Items in a Fair Value Hedging Relationship) (Details) - Long-term Borrowings [Member] - USD ($)
$ in Millions
Sep. 30, 2021
Dec. 31, 2020
Schedule of Hedged Items in Fair Value Hedging Relationship [Line Items]    
Carrying amount of hedged assets/liabilities $ 8,885 $ 11,881
Cumulative amount of fair value hedging adjustment increasing (decreasing) the carrying amount of hedged assets/liabilities $ 115 $ 281
XML 96 R85.htm IDEA: XBRL DOCUMENT v3.21.2
Derivatives and Hedging Activities (Schedule of Impact of the Derivative Instruments on Income) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Derivative Instruments, Gain (Loss) [Line Items]        
Amounts reclassified from OCI into earnings, cash flow hedges $ 0 $ (4) $ (2) $ (11)
Interest Expense [Member] | Deposits [Member]        
Derivative Instruments, Gain (Loss) [Line Items]        
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded (156) (287) (519) (1,000)
Interest Expense [Member] | Deposits [Member] | Designated as Hedges [Member] | Interest Rate Swaps [Member]        
Derivative Instruments, Gain (Loss) [Line Items]        
Amounts reclassified from OCI into earnings, cash flow hedges 0 (4) 0 (9)
Gains (losses) on hedged items, fair value hedges 0 0 0 0
Gains (losses) on interest rate swaps, fair value hedges 0 0 0 0
Total gains (losses) on fair value hedges 0 0 0 0
Interest Expense [Member] | Deposits [Member] | Not Designated as Hedges [Member]        
Derivative Instruments, Gain (Loss) [Line Items]        
Gains (losses) on derivatives not designated as hedges   0    
Interest Expense [Member] | Long-term Borrowings [Member]        
Derivative Instruments, Gain (Loss) [Line Items]        
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded (113) (126) (356) (479)
Interest Expense [Member] | Long-term Borrowings [Member] | Designated as Hedges [Member] | Interest Rate Swaps [Member]        
Derivative Instruments, Gain (Loss) [Line Items]        
Amounts reclassified from OCI into earnings, cash flow hedges 0 0 (2) (2)
Gains (losses) on hedged items, fair value hedges 45 59 167 (326)
Gains (losses) on interest rate swaps, fair value hedges (9) (9) (38) 434
Total gains (losses) on fair value hedges 36 50 129 108
Interest Expense [Member] | Long-term Borrowings [Member] | Not Designated as Hedges [Member]        
Derivative Instruments, Gain (Loss) [Line Items]        
Gains (losses) on derivatives not designated as hedges   0    
Interest Income | Credit Card Loans [Member]        
Derivative Instruments, Gain (Loss) [Line Items]        
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded   2,171    
Other Income [Member]        
Derivative Instruments, Gain (Loss) [Line Items]        
Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded 18 17 47 59
Other Income [Member] | Designated as Hedges [Member] | Interest Rate Swaps [Member]        
Derivative Instruments, Gain (Loss) [Line Items]        
Amounts reclassified from OCI into earnings, cash flow hedges 0 0 0 0
Gains (losses) on hedged items, fair value hedges 0 0 0 0
Gains (losses) on interest rate swaps, fair value hedges 0 0 0 0
Total gains (losses) on fair value hedges $ 0 0 $ 0 $ 0
Other Income [Member] | Not Designated as Hedges [Member]        
Derivative Instruments, Gain (Loss) [Line Items]        
Gains (losses) on derivatives not designated as hedges   $ (1)    
XML 97 R86.htm IDEA: XBRL DOCUMENT v3.21.2
Segment Disclosures (Narrative) (Details)
 9 Months Ended
Sep. 30, 2021
segment
Segment Reporting [Abstract]  
Number of reportable segments (in number of segments) 2
XML 98 R87.htm IDEA: XBRL DOCUMENT v3.21.2
Segment Disclosures (Schedule of Segment Disclosures) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Segment Reporting Information [Line Items]        
Interest income $ 2,674 $ 2,681 $ 7,909 $ 8,335
Interest expense 269 416 875 1,482
Net interest income 2,405 2,265 7,034 6,853
Provision for credit losses 185 750 (45) 4,603
Other income 372 449 2,117 1,411
Other expense 1,190 1,005 3,493 3,241
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest, Total 1,402 959 5,703 420
Credit Card Loans [Member]        
Segment Reporting Information [Line Items]        
Interest income 2,193 2,171 6,452 6,760
Total Other Loans [Member] | Private Student Loans [Member]        
Segment Reporting Information [Line Items]        
Interest income 184 182 554 569
Total Other Loans [Member] | Personal Loans [Member]        
Segment Reporting Information [Line Items]        
Interest income 219 237 662 722
Total Other Loans [Member] | Other Loans [Member]        
Segment Reporting Information [Line Items]        
Interest income 30 27 85 78
Unallocated Financing Receivables | Other [Member]        
Segment Reporting Information [Line Items]        
Interest income 48 64 156 206
Operating Segments [Member] | Digital Banking [Member]        
Segment Reporting Information [Line Items]        
Interest income 2,674 2,681 7,909 8,335
Interest expense 269 416 875 1,482
Net interest income 2,405 2,265 7,034 6,853
Provision for credit losses 185 750 (45) 4,603
Other income 447 371 1,284 1,091
Other expense 1,151 969 3,290 3,069
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest, Total 1,516 917 5,073 272
Operating Segments [Member] | Digital Banking [Member] | Credit Card Loans [Member]        
Segment Reporting Information [Line Items]        
Interest income 2,193 2,171 6,452 6,760
Operating Segments [Member] | Digital Banking [Member] | Total Other Loans [Member] | Private Student Loans [Member]        
Segment Reporting Information [Line Items]        
Interest income 184 182 554 569
Operating Segments [Member] | Digital Banking [Member] | Total Other Loans [Member] | Personal Loans [Member]        
Segment Reporting Information [Line Items]        
Interest income 219 237 662 722
Operating Segments [Member] | Digital Banking [Member] | Total Other Loans [Member] | Other Loans [Member]        
Segment Reporting Information [Line Items]        
Interest income 30 27 85 78
Operating Segments [Member] | Digital Banking [Member] | Unallocated Financing Receivables | Other [Member]        
Segment Reporting Information [Line Items]        
Interest income 48 64 156 206
Operating Segments [Member] | Payment Services [Member]        
Segment Reporting Information [Line Items]        
Interest income 0 0 0 0
Interest expense 0 0 0 0
Net interest income 0 0 0 0
Provision for credit losses 0 0 0 0
Other income (75) 78 833 320
Other expense 39 36 203 172
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest, Total (114) 42 630 148
Operating Segments [Member] | Payment Services [Member] | Credit Card Loans [Member]        
Segment Reporting Information [Line Items]        
Interest income 0 0 0 0
Operating Segments [Member] | Payment Services [Member] | Total Other Loans [Member] | Private Student Loans [Member]        
Segment Reporting Information [Line Items]        
Interest income 0 0 0 0
Operating Segments [Member] | Payment Services [Member] | Total Other Loans [Member] | Personal Loans [Member]        
Segment Reporting Information [Line Items]        
Interest income 0 0 0 0
Operating Segments [Member] | Payment Services [Member] | Total Other Loans [Member] | Other Loans [Member]        
Segment Reporting Information [Line Items]        
Interest income 0 0 0 0
Operating Segments [Member] | Payment Services [Member] | Unallocated Financing Receivables | Other [Member]        
Segment Reporting Information [Line Items]        
Interest income $ 0 $ 0 $ 0 $ 0
XML 99 R88.htm IDEA: XBRL DOCUMENT v3.21.2
Revenue from Contracts with Customers (Schedule of Revenue from Contracts with Customers Disaggregated by Business Segment) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Disaggregation of Revenue [Line Items]        
Discount and interchange revenue, net $ 299 $ 238 $ 879 $ 691
Protection products revenue 43 44 129 135
Transaction processing revenue 58 50 167 143
Other income subject to ASC 606 18 17 47 59
Loan fee income 121 100 333 304
Unrealized (losses) gains on equity investments (167) 0 562 0
Realized gains on equity investments 0 0 0 79
Total other income (loss) not subject to ASC 606 (46) 100 895 383
Total other income (loss) by operating segment 372 449 2,117 1,411
Customer rewards included in discount and interchange revenue 689 514 1,800 1,400
Accounting Standards Update 2014-09 [Member]        
Disaggregation of Revenue [Line Items]        
Discount and interchange revenue, net [1] 299 238 879 691
Protection products revenue 43 44 129 135
Transaction processing revenue 58 50 167 143
Other income subject to ASC 606 18 17 47 59
Total other income subject to ASC 606 [2] 418 349 1,222 1,028
Operating Segments [Member] | Digital Banking [Member]        
Disaggregation of Revenue [Line Items]        
Loan fee income 121 100 333 304
Unrealized (losses) gains on equity investments 0   0  
Realized gains on equity investments       0
Total other income (loss) not subject to ASC 606 121 100 333 304
Total other income (loss) by operating segment 447 371 1,284 1,091
Operating Segments [Member] | Digital Banking [Member] | Accounting Standards Update 2014-09 [Member]        
Disaggregation of Revenue [Line Items]        
Discount and interchange revenue, net [1] 280 225 826 644
Protection products revenue 43 44 129 135
Transaction processing revenue 0 0 0 0
Other income subject to ASC 606 3 2 (4) 8
Total other income subject to ASC 606 [2] 326 271 951 787
Operating Segments [Member] | Payment Services [Member]        
Disaggregation of Revenue [Line Items]        
Loan fee income 0 0 0 0
Unrealized (losses) gains on equity investments (167)   562  
Realized gains on equity investments       79
Total other income (loss) not subject to ASC 606 (167) 0 562 79
Total other income (loss) by operating segment (75) 78 833 320
Operating Segments [Member] | Payment Services [Member] | Accounting Standards Update 2014-09 [Member]        
Disaggregation of Revenue [Line Items]        
Discount and interchange revenue, net [1] 19 13 53 47
Protection products revenue 0 0 0 0
Transaction processing revenue 58 50 167 143
Other income subject to ASC 606 15 15 51 51
Total other income subject to ASC 606 [2] $ 92 $ 78 $ 271 $ 241
[1] Net of rewards, including Cashback Bonus rewards, of $689 million and $514 million for the three months ended September 30, 2021 and 2020, respectively, and $1.8 billion and $1.4 billion for the nine months ended September 30, 2021 and 2020, respectively.
[2] Excludes deposit product fees that are reported within net interest income, which were immaterial for the three and nine months ended September 30, 2021 and 2020.
EXCEL 100 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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how.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 102 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 103 FilingSummary.xml IDEA: XBRL DOCUMENT 3.21.2 html 512 491 1 true 92 0 false 15 false false R1.htm 0001001 - Document - Document and Entity Information Sheet http://www.discovercard.com/role/DocumentandEntityInformation Document and Entity Information Cover 1 false false R2.htm 1001002 - Statement - Condensed Consolidated Statements of Financial Condition Sheet http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition Condensed Consolidated Statements of Financial Condition Statements 2 false false R3.htm 1002003 - Statement - Condensed Consolidated Statements of Financial Condition (Parenthetical) Sheet http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialConditionParenthetical Condensed Consolidated Statements of Financial Condition (Parenthetical) Statements 3 false false R4.htm 1003004 - Statement - Condensed Consolidated Statements of Income Sheet http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome Condensed Consolidated Statements of Income Statements 4 false false R5.htm 1004005 - Statement - Condensed Consolidated Statements of Comprehensive Income Sheet http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome Condensed Consolidated Statements of Comprehensive Income Statements 5 false false R6.htm 1005006 - Statement - Condensed Consolidated Statements of Changes in Stockholders' Equity Sheet http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity Condensed Consolidated Statements of Changes in Stockholders' Equity Statements 6 false false R7.htm 1006007 - Statement - Condensed Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) Sheet http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquityParenthetical Condensed Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) Statements 7 false false R8.htm 1007008 - Statement - Condensed Consolidated Statements of Cash Flows Sheet http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows Condensed Consolidated Statements of Cash Flows Statements 8 false false R9.htm 2101101 - Disclosure - Background and Basis of Presentation Sheet http://www.discovercard.com/role/BackgroundandBasisofPresentation Background and Basis of Presentation Notes 9 false false R10.htm 2104102 - Disclosure - Investments Sheet http://www.discovercard.com/role/Investments Investments Notes 10 false false R11.htm 2110103 - Disclosure - Loan Receivables Sheet http://www.discovercard.com/role/LoanReceivables Loan Receivables Notes 11 false false R12.htm 2121104 - Disclosure - Credit Card and Private Student Loan Securitization Activities Sheet http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivities Credit Card and Private Student Loan Securitization Activities Notes 12 false false R13.htm 2126105 - Disclosure - Intangible Assets (Notes) Notes http://www.discovercard.com/role/IntangibleAssetsNotes Intangible Assets (Notes) Notes 13 false false R14.htm 2128106 - Disclosure - Deposits Sheet http://www.discovercard.com/role/Deposits Deposits Notes 14 false false R15.htm 2134107 - Disclosure - Long-Term Borrowings Sheet http://www.discovercard.com/role/LongTermBorrowings Long-Term Borrowings Notes 15 false false R16.htm 2139108 - Disclosure - Preferred Stock (Notes) Notes http://www.discovercard.com/role/PreferredStockNotes Preferred Stock (Notes) Notes 16 false false R17.htm 2142109 - Disclosure - Accumulated Other Comprehensive Income Sheet http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncome Accumulated Other Comprehensive Income Notes 17 false false R18.htm 2146110 - Disclosure - Income Taxes Sheet http://www.discovercard.com/role/IncomeTaxes Income Taxes Notes 18 false false R19.htm 2150111 - Disclosure - Earnings Per Share Sheet http://www.discovercard.com/role/EarningsPerShare Earnings Per Share Notes 19 false false R20.htm 2153112 - Disclosure - Capital Adequacy Sheet http://www.discovercard.com/role/CapitalAdequacy Capital Adequacy Notes 20 false false R21.htm 2156113 - Disclosure - Commitments, Contingencies and Guarantees Sheet http://www.discovercard.com/role/CommitmentsContingenciesandGuarantees Commitments, Contingencies and Guarantees Notes 21 false false R22.htm 2160114 - Disclosure - Litigation and Regulatory Matters Sheet http://www.discovercard.com/role/LitigationandRegulatoryMatters Litigation and Regulatory Matters Notes 22 false false R23.htm 2162115 - Disclosure - Fair Value Measurements Sheet http://www.discovercard.com/role/FairValueMeasurements Fair Value Measurements Notes 23 false false R24.htm 2167116 - Disclosure - Derivatives and Hedging Activities Sheet http://www.discovercard.com/role/DerivativesandHedgingActivities Derivatives and Hedging Activities Notes 24 false false R25.htm 2173117 - Disclosure - Segment Disclosures Sheet http://www.discovercard.com/role/SegmentDisclosures Segment Disclosures Notes 25 false false R26.htm 2177118 - Disclosure - Revenue from Contracts with Customers Sheet http://www.discovercard.com/role/RevenuefromContractswithCustomers Revenue from Contracts with Customers Notes 26 false false R27.htm 2180119 - Disclosure - Subsequent Events Sheet http://www.discovercard.com/role/SubsequentEvents Subsequent Events Notes 27 false false R28.htm 2202201 - Disclosure - Background and Basis of Presentation (Policies) Sheet http://www.discovercard.com/role/BackgroundandBasisofPresentationPolicies Background and Basis of Presentation (Policies) Policies 28 false false R29.htm 2305301 - Disclosure - Investments (Tables) Sheet http://www.discovercard.com/role/InvestmentsTables Investments (Tables) Tables http://www.discovercard.com/role/Investments 29 false false R30.htm 2311302 - Disclosure - Loan Receivables (Tables) Sheet http://www.discovercard.com/role/LoanReceivablesTables Loan Receivables (Tables) Tables http://www.discovercard.com/role/LoanReceivables 30 false false R31.htm 2322303 - Disclosure - Credit Card and Private Student Loan Securitization Activities (Tables) Sheet http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesTables Credit Card and Private Student Loan Securitization Activities (Tables) Tables http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivities 31 false false R32.htm 2329304 - Disclosure - Deposits (Tables) Sheet http://www.discovercard.com/role/DepositsTables Deposits (Tables) Tables http://www.discovercard.com/role/Deposits 32 false false R33.htm 2335305 - Disclosure - Long-Term Borrowings (Tables) Sheet http://www.discovercard.com/role/LongTermBorrowingsTables Long-Term Borrowings (Tables) Tables http://www.discovercard.com/role/LongTermBorrowings 33 false false R34.htm 2340306 - Disclosure - Preferred Stock (Tables) Sheet http://www.discovercard.com/role/PreferredStockTables Preferred Stock (Tables) Tables http://www.discovercard.com/role/PreferredStockNotes 34 false false R35.htm 2343307 - Disclosure - Accumulated Other Comprehensive Income (Tables) Sheet http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeTables Accumulated Other Comprehensive Income (Tables) Tables http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncome 35 false false R36.htm 2347308 - Disclosure - Income Taxes (Tables) Sheet http://www.discovercard.com/role/IncomeTaxesTables Income Taxes (Tables) Tables http://www.discovercard.com/role/IncomeTaxes 36 false false R37.htm 2351309 - Disclosure - Earnings Per Share (Tables) Sheet http://www.discovercard.com/role/EarningsPerShareTables Earnings Per Share (Tables) Tables http://www.discovercard.com/role/EarningsPerShare 37 false false R38.htm 2354310 - Disclosure - Capital Adequacy (Tables) Sheet http://www.discovercard.com/role/CapitalAdequacyTables Capital Adequacy (Tables) Tables http://www.discovercard.com/role/CapitalAdequacy 38 false false R39.htm 2357311 - Disclosure - Commitments, Contingencies and Guarantees (Tables) Sheet http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesTables Commitments, Contingencies and Guarantees (Tables) Tables http://www.discovercard.com/role/CommitmentsContingenciesandGuarantees 39 false false R40.htm 2363312 - Disclosure - Fair Value Measurements (Tables) Sheet http://www.discovercard.com/role/FairValueMeasurementsTables Fair Value Measurements (Tables) Tables http://www.discovercard.com/role/FairValueMeasurements 40 false false R41.htm 2368313 - Disclosure - Derivatives and Hedging Activities (Tables) Sheet http://www.discovercard.com/role/DerivativesandHedgingActivitiesTables Derivatives and Hedging Activities (Tables) Tables http://www.discovercard.com/role/DerivativesandHedgingActivities 41 false false R42.htm 2374314 - Disclosure - Segment Disclosures (Tables) Sheet http://www.discovercard.com/role/SegmentDisclosuresTables Segment Disclosures (Tables) Tables http://www.discovercard.com/role/SegmentDisclosures 42 false false R43.htm 2378315 - Disclosure - Revenue from Contracts with Customers (Tables) Sheet http://www.discovercard.com/role/RevenuefromContractswithCustomersTables Revenue from Contracts with Customers (Tables) Tables http://www.discovercard.com/role/RevenuefromContractswithCustomers 43 false false R44.htm 2403401 - Disclosure - Background and Basis of Presentation (Narrative) (Details) Sheet http://www.discovercard.com/role/BackgroundandBasisofPresentationNarrativeDetails Background and Basis of Presentation (Narrative) (Details) Details http://www.discovercard.com/role/BackgroundandBasisofPresentationPolicies 44 false false R45.htm 2406402 - Disclosure - Investments (Narrative) (Details) Sheet http://www.discovercard.com/role/InvestmentsNarrativeDetails Investments (Narrative) (Details) Details http://www.discovercard.com/role/InvestmentsTables 45 false false R46.htm 2407403 - Disclosure - Investments (Schedule of Investment Securities) (Details) Sheet http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails Investments (Schedule of Investment Securities) (Details) Details http://www.discovercard.com/role/InvestmentsTables 46 false false R47.htm 2408404 - Disclosure - Investments (Schedule of Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Fair Value) (Details) Sheet http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails Investments (Schedule of Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Fair Value) (Details) Details http://www.discovercard.com/role/InvestmentsTables 47 false false R48.htm 2409405 - Disclosure - Investments (Schedule of Maturities of Available-for-Sale Debt Securities and Held-to-Maturity Debt Securities) (Details) Sheet http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails Investments (Schedule of Maturities of Available-for-Sale Debt Securities and Held-to-Maturity Debt Securities) (Details) Details http://www.discovercard.com/role/InvestmentsTables 48 false false R49.htm 2412406 - Disclosure - Loan Receivables (Narrative) (Details) Sheet http://www.discovercard.com/role/LoanReceivablesNarrativeDetails Loan Receivables (Narrative) (Details) Details http://www.discovercard.com/role/LoanReceivablesTables 49 false false R50.htm 2413407 - Disclosure - Loan Receivables (Schedule of Loan Receivables) (Details) Sheet http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails Loan Receivables (Schedule of Loan Receivables) (Details) Details http://www.discovercard.com/role/LoanReceivablesTables 50 false false R51.htm 2414408 - Disclosure - Loan Receivables (Schedule of Credit Risk Profile by FICO Score and Origination Year) (Details) Sheet http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails Loan Receivables (Schedule of Credit Risk Profile by FICO Score and Origination Year) (Details) Details http://www.discovercard.com/role/LoanReceivablesTables 51 false false R52.htm 2415409 - Disclosure - Loan Receivables (Schedule of Delinquent Loans by Origination Year) (Details) Sheet http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails Loan Receivables (Schedule of Delinquent Loans by Origination Year) (Details) Details http://www.discovercard.com/role/LoanReceivablesTables 52 false false R53.htm 2416410 - Disclosure - Loan Receivables (Schedule of Changes in the Allowance for Credit Losses) (Details) Sheet http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails Loan Receivables (Schedule of Changes in the Allowance for Credit Losses) (Details) Details http://www.discovercard.com/role/LoanReceivablesTables 53 false false R54.htm 2417411 - Disclosure - Loan Receivables (Schedule of Net Charge-offs of Interest and Fee Revenues on Loan Receivables) (Details) Sheet http://www.discovercard.com/role/LoanReceivablesScheduleofNetChargeoffsofInterestandFeeRevenuesonLoanReceivablesDetails Loan Receivables (Schedule of Net Charge-offs of Interest and Fee Revenues on Loan Receivables) (Details) Details http://www.discovercard.com/role/LoanReceivablesTables 54 false false R55.htm 2418412 - Disclosure - Loan Receivables (Schedule of Delinquent and Non-Accruing Loans) (Details) Sheet http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails Loan Receivables (Schedule of Delinquent and Non-Accruing Loans) (Details) Details http://www.discovercard.com/role/LoanReceivablesTables 55 false false R56.htm 2419413 - Disclosure - Loan Receivables (Schedule of Loans That Entered a Modification Program During the Period) (Details) Sheet http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails Loan Receivables (Schedule of Loans That Entered a Modification Program During the Period) (Details) Details http://www.discovercard.com/role/LoanReceivablesTables 56 false false R57.htm 2420414 - Disclosure - Loan Receivables (Schedule of Troubled Debt Restructurings That Subsequently Defaulted) (Details) Sheet http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails Loan Receivables (Schedule of Troubled Debt Restructurings That Subsequently Defaulted) (Details) Details http://www.discovercard.com/role/LoanReceivablesTables 57 false false R58.htm 2423415 - Disclosure - Credit Card and Private Student Loan Securitization Activities (Narrative) (Details) Sheet http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails Credit Card and Private Student Loan Securitization Activities (Narrative) (Details) Details http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesTables 58 false false R59.htm 2424416 - Disclosure - Credit Card and Private Student Loan Securitization Activities (Schedule of Restricted Credit Card Securitized Assets) (Details) Sheet http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails Credit Card and Private Student Loan Securitization Activities (Schedule of Restricted Credit Card Securitized Assets) (Details) Details http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesTables 59 false false R60.htm 2425417 - Disclosure - Credit Card and Private Student Loan Securitization Activities (Schedule of Restricted Student Loan Securitized Assets) (Details) Sheet http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails Credit Card and Private Student Loan Securitization Activities (Schedule of Restricted Student Loan Securitized Assets) (Details) Details http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesTables 60 false false R61.htm 2427418 - Disclosure - Intangible Assets (Details) Sheet http://www.discovercard.com/role/IntangibleAssetsDetails Intangible Assets (Details) Details http://www.discovercard.com/role/IntangibleAssetsNotes 61 false false R62.htm 2430419 - Disclosure - Deposits (Narrative) (Details) Sheet http://www.discovercard.com/role/DepositsNarrativeDetails Deposits (Narrative) (Details) Details http://www.discovercard.com/role/DepositsTables 62 false false R63.htm 2431420 - Disclosure - Deposits (Schedule of Interest Bearing Deposit Accounts) (Details) Sheet http://www.discovercard.com/role/DepositsScheduleofInterestBearingDepositAccountsDetails Deposits (Schedule of Interest Bearing Deposit Accounts) (Details) Details http://www.discovercard.com/role/DepositsTables 63 false false R64.htm 2432421 - Disclosure - Deposits (Schedule of $100,000 or More Certificates of Deposit Maturities) (Details) Sheet http://www.discovercard.com/role/DepositsScheduleof100000orMoreCertificatesofDepositMaturitiesDetails Deposits (Schedule of $100,000 or More Certificates of Deposit Maturities) (Details) Details http://www.discovercard.com/role/DepositsTables 64 false false R65.htm 2433422 - Disclosure - Deposits (Schedule of Certificates of Deposit Maturities) (Details) Sheet http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails Deposits (Schedule of Certificates of Deposit Maturities) (Details) Details http://www.discovercard.com/role/DepositsTables 65 false false R66.htm 2436423 - Disclosure - Long-Term Borrowings (Narrative) (Details) Sheet http://www.discovercard.com/role/LongTermBorrowingsNarrativeDetails Long-Term Borrowings (Narrative) (Details) Details http://www.discovercard.com/role/LongTermBorrowingsTables 66 false false R67.htm 2437424 - Disclosure - Long-Term Borrowings (Schedule of Long-Term Borrowings and Weighted Average Interest Rates) (Details) Sheet http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails Long-Term Borrowings (Schedule of Long-Term Borrowings and Weighted Average Interest Rates) (Details) Details http://www.discovercard.com/role/LongTermBorrowingsTables 67 false false R68.htm 2438425 - Disclosure - Long-Term Borrowings (Schedule of Long-Term Borrowings Maturities) (Details) Sheet http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails Long-Term Borrowings (Schedule of Long-Term Borrowings Maturities) (Details) Details http://www.discovercard.com/role/LongTermBorrowingsTables 68 false false R69.htm 2441426 - Disclosure - Preferred Stock (Details) Sheet http://www.discovercard.com/role/PreferredStockDetails Preferred Stock (Details) Details http://www.discovercard.com/role/PreferredStockTables 69 false false R70.htm 2444427 - Disclosure - Accumulated Other Comprehensive Income (Schedule of Changes in Accumulated Other Comprehensive Income (Loss)) (Details) Sheet http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails Accumulated Other Comprehensive Income (Schedule of Changes in Accumulated Other Comprehensive Income (Loss)) (Details) Details http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeTables 70 false false R71.htm 2445428 - Disclosure - Accumulated Other Comprehensive Income (Schedule of Other Comprehensive Income Before Reclassifications and Amounts Reclassified from AOCI) (Details) Sheet http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails Accumulated Other Comprehensive Income (Schedule of Other Comprehensive Income Before Reclassifications and Amounts Reclassified from AOCI) (Details) Details http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeTables 71 false false R72.htm 2448429 - Disclosure - Income Taxes (Narrative) (Details) Sheet http://www.discovercard.com/role/IncomeTaxesNarrativeDetails Income Taxes (Narrative) (Details) Details http://www.discovercard.com/role/IncomeTaxesTables 72 false false R73.htm 2449430 - Disclosure - Income Taxes (Schedule of Effective Income Tax Rate Calculation) (Details) Sheet http://www.discovercard.com/role/IncomeTaxesScheduleofEffectiveIncomeTaxRateCalculationDetails Income Taxes (Schedule of Effective Income Tax Rate Calculation) (Details) Details http://www.discovercard.com/role/IncomeTaxesTables 73 false false R74.htm 2452431 - Disclosure - Earnings Per Share (Schedule of Basic and Diluted EPS ) (Details) Sheet http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails Earnings Per Share (Schedule of Basic and Diluted EPS ) (Details) Details http://www.discovercard.com/role/EarningsPerShareTables 74 false false R75.htm 2455432 - Disclosure - Capital Adequacy (Schedule of Minimum and Well-Capitalized Requirements) (Details) Sheet http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails Capital Adequacy (Schedule of Minimum and Well-Capitalized Requirements) (Details) Details http://www.discovercard.com/role/CapitalAdequacyTables 75 false false R76.htm 2458433 - Disclosure - Commitments, Contingencies and Guarantees (Narrative) (Details) Sheet http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesNarrativeDetails Commitments, Contingencies and Guarantees (Narrative) (Details) Details http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesTables 76 false false R77.htm 2459434 - Disclosure - Commitments, Contingencies and Guarantees (Schedule of Maximum Potential Counterparty Exposures Related to Settlement Guarantees and Merchant Chargeback Guarantee) (Details) Sheet http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesScheduleofMaximumPotentialCounterpartyExposuresRelatedtoSettlementGuaranteesandMerchantChargebackGuaranteeDetails Commitments, Contingencies and Guarantees (Schedule of Maximum Potential Counterparty Exposures Related to Settlement Guarantees and Merchant Chargeback Guarantee) (Details) Details http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesTables 77 false false R78.htm 2461435 - Disclosure - Litigation and Regulatory Matters (Narrative) (Details) Sheet http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails Litigation and Regulatory Matters (Narrative) (Details) Details http://www.discovercard.com/role/LitigationandRegulatoryMatters 78 false false R79.htm 2464436 - Disclosure - Fair Value Measurements (Narrative) (Details) Sheet http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails Fair Value Measurements (Narrative) (Details) Details http://www.discovercard.com/role/FairValueMeasurementsTables 79 false false R80.htm 2465437 - Disclosure - Fair Value Measurements (Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis) (Details) Sheet http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails Fair Value Measurements (Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis) (Details) Details http://www.discovercard.com/role/FairValueMeasurementsTables 80 false false R81.htm 2466438 - Disclosure - Fair Value Measurements (Schedule of Financial Instruments Measured at Other Than Fair Value) (Details) Sheet http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails Fair Value Measurements (Schedule of Financial Instruments Measured at Other Than Fair Value) (Details) Details http://www.discovercard.com/role/FairValueMeasurementsTables 81 false false R82.htm 2469439 - Disclosure - Derivatives and Hedging Activities (Narrative) (Details) Sheet http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails Derivatives and Hedging Activities (Narrative) (Details) Details http://www.discovercard.com/role/DerivativesandHedgingActivitiesTables 82 false false R83.htm 2470440 - Disclosure - Derivatives and Hedging Activities (Schedule of Fair Value and Outstanding Notional Amounts of Derivative Instruments and Related Collateral Balances) (Details) Sheet http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails Derivatives and Hedging Activities (Schedule of Fair Value and Outstanding Notional Amounts of Derivative Instruments and Related Collateral Balances) (Details) Details http://www.discovercard.com/role/DerivativesandHedgingActivitiesTables 83 false false R84.htm 2471441 - Disclosure - Derivatives and Hedging Activities Derivatives and Hedging Activities (Schedule of Hedged Items in a Fair Value Hedging Relationship) (Details) Sheet http://www.discovercard.com/role/DerivativesandHedgingActivitiesDerivativesandHedgingActivitiesScheduleofHedgedItemsinaFairValueHedgingRelationshipDetails Derivatives and Hedging Activities Derivatives and Hedging Activities (Schedule of Hedged Items in a Fair Value Hedging Relationship) (Details) Details 84 false false R85.htm 2472442 - Disclosure - Derivatives and Hedging Activities (Schedule of Impact of the Derivative Instruments on Income) (Details) Sheet http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails Derivatives and Hedging Activities (Schedule of Impact of the Derivative Instruments on Income) (Details) Details http://www.discovercard.com/role/DerivativesandHedgingActivitiesTables 85 false false R86.htm 2475443 - Disclosure - Segment Disclosures (Narrative) (Details) Sheet http://www.discovercard.com/role/SegmentDisclosuresNarrativeDetails Segment Disclosures (Narrative) (Details) Details http://www.discovercard.com/role/SegmentDisclosuresTables 86 false false R87.htm 2476444 - Disclosure - Segment Disclosures (Schedule of Segment Disclosures) (Details) Sheet http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails Segment Disclosures (Schedule of Segment Disclosures) (Details) Details http://www.discovercard.com/role/SegmentDisclosuresTables 87 false false R88.htm 2479445 - Disclosure - Revenue from Contracts with Customers (Schedule of Revenue from Contracts with Customers Disaggregated by Business Segment) (Details) Sheet http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails Revenue from Contracts with Customers (Schedule of Revenue from Contracts with Customers Disaggregated by Business Segment) (Details) Details http://www.discovercard.com/role/RevenuefromContractswithCustomersTables 88 false false All Reports Book All Reports dfs-20210930.htm dfs-20210930.xsd dfs-20210930_cal.xml dfs-20210930_def.xml dfs-20210930_lab.xml dfs-20210930_pre.xml dfsex3119302021.htm dfsex3129302021.htm dfsex319302021.htm dfsex3219302021.htm http://xbrl.sec.gov/dei/2021 http://fasb.org/us-gaap/2021-01-31 http://fasb.org/srt/2021-01-31 true true JSON 106 MetaLinks.json IDEA: XBRL DOCUMENT { "instance": { "dfs-20210930.htm": { "axisCustom": 1, "axisStandard": 33, "contextCount": 512, "dts": { "calculationLink": { "local": [ "dfs-20210930_cal.xml" ] }, "definitionLink": { "local": [ "dfs-20210930_def.xml" ] }, "inline": { "local": [ "dfs-20210930.htm" ] }, "labelLink": { "local": [ "dfs-20210930_lab.xml" ] }, "presentationLink": { "local": [ "dfs-20210930_pre.xml" ] }, "schema": { "local": [ "dfs-20210930.xsd" ], "remote": [ "https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd", "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd", "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/2006/ref-2006-02-27.xsd", "https://xbrl.fasb.org/srt/2021/elts/srt-types-2021-01-31.xsd", "https://xbrl.sec.gov/country/2021/country-2021.xsd", "https://xbrl.fasb.org/srt/2021/elts/srt-roles-2021-01-31.xsd", "https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd", "https://xbrl.fasb.org/us-gaap/2021/elts/us-types-2021-01-31.xsd", "https://xbrl.fasb.org/us-gaap/2021/elts/us-roles-2021-01-31.xsd", "https://xbrl.sec.gov/dei/2021/dei-2021.xsd", "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/reference-2009-12-16.xsd" ] } }, "elementCount": 691, "entityCount": 1, "hidden": { "http://fasb.org/us-gaap/2021-01-31": 4, "http://xbrl.sec.gov/dei/2021": 5, "total": 9 }, "keyCustom": 85, "keyStandard": 406, "memberCustom": 31, "memberStandard": 59, "nsprefix": "dfs", "nsuri": "http://www.discovercard.com/20210930", "report": { "R1": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "document", "isDefault": "true", "longName": "0001001 - Document - Document and Entity Information", "role": "http://www.discovercard.com/role/DocumentandEntityInformation", "shortName": "Document and Entity Information", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R10": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2104102 - Disclosure - Investments", "role": "http://www.discovercard.com/role/Investments", "shortName": "Investments", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R11": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:FinancingReceivablesTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2110103 - Disclosure - Loan Receivables", "role": "http://www.discovercard.com/role/LoanReceivables", "shortName": "Loan Receivables", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:FinancingReceivablesTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R12": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:TransfersAndServicingOfFinancialAssetsTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2121104 - Disclosure - Credit Card and Private Student Loan Securitization Activities", "role": "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivities", "shortName": "Credit Card and Private Student Loan Securitization Activities", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:TransfersAndServicingOfFinancialAssetsTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R13": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:IntangibleAssetsDisclosureTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2126105 - Disclosure - Intangible Assets (Notes)", "role": "http://www.discovercard.com/role/IntangibleAssetsNotes", "shortName": "Intangible Assets (Notes)", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:IntangibleAssetsDisclosureTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R14": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2128106 - Disclosure - Deposits", "role": "http://www.discovercard.com/role/Deposits", "shortName": "Deposits", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R15": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:DebtDisclosureTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2134107 - Disclosure - Long-Term Borrowings", "role": "http://www.discovercard.com/role/LongTermBorrowings", "shortName": "Long-Term Borrowings", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:DebtDisclosureTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R16": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:PreferredStockTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2139108 - Disclosure - Preferred Stock (Notes)", "role": "http://www.discovercard.com/role/PreferredStockNotes", "shortName": "Preferred Stock (Notes)", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:PreferredStockTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R17": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ComprehensiveIncomeNoteTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2142109 - Disclosure - Accumulated Other Comprehensive Income", "role": "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncome", "shortName": "Accumulated Other Comprehensive Income", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ComprehensiveIncomeNoteTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R18": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:IncomeTaxDisclosureTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2146110 - Disclosure - Income Taxes", "role": "http://www.discovercard.com/role/IncomeTaxes", "shortName": "Income Taxes", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:IncomeTaxDisclosureTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R19": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:EarningsPerShareTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2150111 - Disclosure - Earnings Per Share", "role": "http://www.discovercard.com/role/EarningsPerShare", "shortName": "Earnings Per Share", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:EarningsPerShareTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R2": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:CashAndCashEquivalentsAtCarryingValue", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "statement", "isDefault": "false", "longName": "1001002 - Statement - Condensed Consolidated Statements of Financial Condition", "role": "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "shortName": "Condensed Consolidated Statements of Financial Condition", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i0098b0a30ecb40fbb7be4c71da003731_I20201231", "decimals": "-6", "lang": "en-US", "name": "us-gaap:CashAndCashEquivalentsAtCarryingValue", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R20": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2153112 - Disclosure - Capital Adequacy", "role": "http://www.discovercard.com/role/CapitalAdequacy", "shortName": "Capital Adequacy", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R21": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:CommitmentsContingenciesAndGuaranteesTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2156113 - Disclosure - Commitments, Contingencies and Guarantees", "role": "http://www.discovercard.com/role/CommitmentsContingenciesandGuarantees", "shortName": "Commitments, Contingencies and Guarantees", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:CommitmentsContingenciesAndGuaranteesTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R22": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:LegalMattersAndContingenciesTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2160114 - Disclosure - Litigation and Regulatory Matters", "role": "http://www.discovercard.com/role/LitigationandRegulatoryMatters", "shortName": "Litigation and Regulatory Matters", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:LegalMattersAndContingenciesTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R23": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:FairValueDisclosuresTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2162115 - Disclosure - Fair Value Measurements", "role": "http://www.discovercard.com/role/FairValueMeasurements", "shortName": "Fair Value Measurements", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:FairValueDisclosuresTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R24": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2167116 - Disclosure - Derivatives and Hedging Activities", "role": "http://www.discovercard.com/role/DerivativesandHedgingActivities", "shortName": "Derivatives and Hedging Activities", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R25": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:SegmentReportingDisclosureTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2173117 - Disclosure - Segment Disclosures", "role": "http://www.discovercard.com/role/SegmentDisclosures", "shortName": "Segment Disclosures", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:SegmentReportingDisclosureTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R26": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:RevenueFromContractWithCustomerTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2177118 - Disclosure - Revenue from Contracts with Customers", "role": "http://www.discovercard.com/role/RevenuefromContractswithCustomers", "shortName": "Revenue from Contracts with Customers", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:RevenueFromContractWithCustomerTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R27": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:SubsequentEventsTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2180119 - Disclosure - Subsequent Events", "role": "http://www.discovercard.com/role/SubsequentEvents", "shortName": "Subsequent Events", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:SubsequentEventsTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R28": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:BasisOfPresentationAndSignificantAccountingPoliciesTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2202201 - Disclosure - Background and Basis of Presentation (Policies)", "role": "http://www.discovercard.com/role/BackgroundandBasisofPresentationPolicies", "shortName": "Background and Basis of Presentation (Policies)", "subGroupType": "policies", "uniqueAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:BasisOfPresentationAndSignificantAccountingPoliciesTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R29": { "firstAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:MarketableSecuritiesTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2305301 - Disclosure - Investments (Tables)", "role": "http://www.discovercard.com/role/InvestmentsTables", "shortName": "Investments (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:MarketableSecuritiesTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R3": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:AvailableForSaleSecuritiesDebtSecurities", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "statement", "isDefault": "false", "longName": "1002003 - Statement - Condensed Consolidated Statements of Financial Condition (Parenthetical)", "role": "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialConditionParenthetical", "shortName": "Condensed Consolidated Statements of Financial Condition (Parenthetical)", "subGroupType": "parenthetical", "uniqueAnchor": { "ancestors": [ "us-gaap:CommonStockParOrStatedValuePerShare", "span", "div", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "INF", "lang": "en-US", "name": "us-gaap:CommonStockParOrStatedValuePerShare", "reportCount": 1, "unique": true, "unitRef": "usdPerShare", "xsiNil": "false" } }, "R30": { "firstAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2311302 - Disclosure - Loan Receivables (Tables)", "role": "http://www.discovercard.com/role/LoanReceivablesTables", "shortName": "Loan Receivables (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R31": { "firstAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "dfs:ScheduleOfRestrictedCreditCardSecuritizedAssetsTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2322303 - Disclosure - Credit Card and Private Student Loan Securitization Activities (Tables)", "role": "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesTables", "shortName": "Credit Card and Private Student Loan Securitization Activities (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "dfs:ScheduleOfRestrictedCreditCardSecuritizedAssetsTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R32": { "firstAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "dfs:ScheduleOfInterestBearingDepositsTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2329304 - Disclosure - Deposits (Tables)", "role": "http://www.discovercard.com/role/DepositsTables", "shortName": "Deposits (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "dfs:ScheduleOfInterestBearingDepositsTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R33": { "firstAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfDebtInstrumentsTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2335305 - Disclosure - Long-Term Borrowings (Tables)", "role": "http://www.discovercard.com/role/LongTermBorrowingsTables", "shortName": "Long-Term Borrowings (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfDebtInstrumentsTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R34": { "firstAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfStockByClassTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2340306 - Disclosure - Preferred Stock (Tables)", "role": "http://www.discovercard.com/role/PreferredStockTables", "shortName": "Preferred Stock (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfStockByClassTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R35": { "firstAnchor": { "ancestors": [ "ix:continuation", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2343307 - Disclosure - Accumulated Other Comprehensive Income (Tables)", "role": "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeTables", "shortName": "Accumulated Other Comprehensive Income (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R36": { "firstAnchor": { "ancestors": [ "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "dfs:ScheduleofEffectiveIncomeTaxRateCalculationTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2347308 - Disclosure - Income Taxes (Tables)", "role": "http://www.discovercard.com/role/IncomeTaxesTables", "shortName": "Income Taxes (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "dfs:ScheduleofEffectiveIncomeTaxRateCalculationTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R37": { "firstAnchor": { "ancestors": [ "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2351309 - Disclosure - Earnings Per Share (Tables)", "role": "http://www.discovercard.com/role/EarningsPerShareTables", "shortName": "Earnings Per Share (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R38": { "firstAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2354310 - Disclosure - Capital Adequacy (Tables)", "role": "http://www.discovercard.com/role/CapitalAdequacyTables", "shortName": "Capital Adequacy (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R39": { "firstAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfGuaranteeObligationsTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2357311 - Disclosure - Commitments, Contingencies and Guarantees (Tables)", "role": "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesTables", "shortName": "Commitments, Contingencies and Guarantees (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfGuaranteeObligationsTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R4": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentCreditCard", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "statement", "isDefault": "false", "longName": "1003004 - Statement - Condensed Consolidated Statements of Income", "role": "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "shortName": "Condensed Consolidated Statements of Income", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentCreditCard", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R40": { "firstAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2363312 - Disclosure - Fair Value Measurements (Tables)", "role": "http://www.discovercard.com/role/FairValueMeasurementsTables", "shortName": "Fair Value Measurements (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R41": { "firstAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2368313 - Disclosure - Derivatives and Hedging Activities (Tables)", "role": "http://www.discovercard.com/role/DerivativesandHedgingActivitiesTables", "shortName": "Derivatives and Hedging Activities (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R42": { "firstAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2374314 - Disclosure - Segment Disclosures (Tables)", "role": "http://www.discovercard.com/role/SegmentDisclosuresTables", "shortName": "Segment Disclosures (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R43": { "firstAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:DisaggregationOfRevenueTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2378315 - Disclosure - Revenue from Contracts with Customers (Tables)", "role": "http://www.discovercard.com/role/RevenuefromContractswithCustomersTables", "shortName": "Revenue from Contracts with Customers (Tables)", "subGroupType": "tables", "uniqueAnchor": { "ancestors": [ "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:DisaggregationOfRevenueTableTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R44": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "us-gaap:NumberOfReportableSegments", "reportCount": 1, "unitRef": "segment", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2403401 - Disclosure - Background and Basis of Presentation (Narrative) (Details)", "role": "http://www.discovercard.com/role/BackgroundandBasisofPresentationNarrativeDetails", "shortName": "Background and Basis of Presentation (Narrative) (Details)", "subGroupType": "details", "uniqueAnchor": null }, "R45": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2406402 - Disclosure - Investments (Narrative) (Details)", "role": "http://www.discovercard.com/role/InvestmentsNarrativeDetails", "shortName": "Investments (Narrative) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt", "us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt", "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i769e62df24334c64b0b3863442a77f84_D20200701-20200930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:DebtSecuritiesAvailableForSaleRealizedGainLoss", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R46": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:MarketableSecuritiesTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:OtherShortTermInvestments", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2407403 - Disclosure - Investments (Schedule of Investment Securities) (Details)", "role": "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails", "shortName": "Investments (Schedule of Investment Securities) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:MarketableSecuritiesTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i86f08c1ed754474d827d06b66be5b5f5_I20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:OtherShortTermInvestments", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R47": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2408404 - Disclosure - Investments (Schedule of Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Fair Value) (Details)", "role": "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails", "shortName": "Investments (Schedule of Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Fair Value) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "ix:continuation", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R48": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2409405 - Disclosure - Investments (Schedule of Maturities of Available-for-Sale Debt Securities and Held-to-Maturity Debt Securities) (Details)", "role": "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails", "shortName": "Investments (Schedule of Maturities of Available-for-Sale Debt Securities and Held-to-Maturity Debt Securities) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R49": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "dfs:LoanPortfolioSegments", "reportCount": 1, "unique": true, "unitRef": "segment", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2412406 - Disclosure - Loan Receivables (Narrative) (Details)", "role": "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "shortName": "Loan Receivables (Narrative) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "dfs:LoanPortfolioSegments", "reportCount": 1, "unique": true, "unitRef": "segment", "xsiNil": "false" } }, "R5": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:NetIncomeLoss", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "statement", "isDefault": "false", "longName": "1004005 - Statement - Condensed Consolidated Statements of Comprehensive Income", "role": "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome", "shortName": "Condensed Consolidated Statements of Comprehensive Income", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R50": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:NotesReceivableGross", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2413407 - Disclosure - Loan Receivables (Schedule of Loan Receivables) (Details)", "role": "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "shortName": "Loan Receivables (Schedule of Loan Receivables) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "link:footnote", "span", "div", "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i8865e7ca3ad449cd85973002065ca0c9_I20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:InterestReceivable", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R51": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:NotesReceivableGross", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2414408 - Disclosure - Loan Receivables (Schedule of Credit Risk Profile by FICO Score and Origination Year) (Details)", "role": "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "shortName": "Loan Receivables (Schedule of Credit Risk Profile by FICO Score and Origination Year) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "link:footnote", "span", "div", "us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "lang": "en-US", "name": "dfs:RevolvingLineofCreditArrangementConvertedtoTermLoanthroughLoanModificationProgramEndingBalance", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R52": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:NotesReceivableGross", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2415409 - Disclosure - Loan Receivables (Schedule of Delinquent Loans by Origination Year) (Details)", "role": "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "shortName": "Loan Receivables (Schedule of Delinquent Loans by Origination Year) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "dfs:FinancingReceivablePastDueBalancesbyOriginationTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i0aef2b0bf6c742adbe6298282b0e567e_I20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R53": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if981838e4c594663ac7025da8a8814fc_I20191231", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:FinancingReceivableAllowanceForCreditLosses", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2416410 - Disclosure - Loan Receivables (Schedule of Changes in the Allowance for Credit Losses) (Details)", "role": "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails", "shortName": "Loan Receivables (Schedule of Changes in the Allowance for Credit Losses) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:ProvisionForLoanLossesExpensed", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R54": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "dfs:ScheduleOfNetChargeOffsOfInterestAndFeeRevenuesOnLoanReceivablesTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "dfs:InterestAndFeesAccruedSubsequentlyChargedOffNetOfRecoveries", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2417411 - Disclosure - Loan Receivables (Schedule of Net Charge-offs of Interest and Fee Revenues on Loan Receivables) (Details)", "role": "http://www.discovercard.com/role/LoanReceivablesScheduleofNetChargeoffsofInterestandFeeRevenuesonLoanReceivablesDetails", "shortName": "Loan Receivables (Schedule of Net Charge-offs of Interest and Fee Revenues on Loan Receivables) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "dfs:ScheduleOfNetChargeOffsOfInterestAndFeeRevenuesOnLoanReceivablesTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "dfs:InterestAndFeesAccruedSubsequentlyChargedOffNetOfRecoveries", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R55": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:PastDueFinancingReceivablesTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2418412 - Disclosure - Loan Receivables (Schedule of Delinquent and Non-Accruing Loans) (Details)", "role": "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails", "shortName": "Loan Receivables (Schedule of Delinquent and Non-Accruing Loans) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:PastDueFinancingReceivablesTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i0098b0a30ecb40fbb7be4c71da003731_I20201231", "decimals": "-6", "lang": "en-US", "name": "us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R56": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "dfs:ScheduleofLoansThatEnteredaModificationProgramDuringthePeriodTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "id5a7dcc7c80349358c75da71c9643efc_D20210701-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "dfs:FinancingReceivablesModificationsEnteringProgramNumberOfContracts", "reportCount": 1, "unique": true, "unitRef": "accounts", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2419413 - Disclosure - Loan Receivables (Schedule of Loans That Entered a Modification Program During the Period) (Details)", "role": "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails", "shortName": "Loan Receivables (Schedule of Loans That Entered a Modification Program During the Period) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "dfs:ScheduleofLoansThatEnteredaModificationProgramDuringthePeriodTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "id5a7dcc7c80349358c75da71c9643efc_D20210701-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "dfs:FinancingReceivablesModificationsEnteringProgramNumberOfContracts", "reportCount": 1, "unique": true, "unitRef": "accounts", "xsiNil": "false" } }, "R57": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "dfs:ScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "id5a7dcc7c80349358c75da71c9643efc_D20210701-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1", "reportCount": 1, "unique": true, "unitRef": "accounts", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2420414 - Disclosure - Loan Receivables (Schedule of Troubled Debt Restructurings That Subsequently Defaulted) (Details)", "role": "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails", "shortName": "Loan Receivables (Schedule of Troubled Debt Restructurings That Subsequently Defaulted) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "dfs:ScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "id5a7dcc7c80349358c75da71c9643efc_D20210701-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1", "reportCount": 1, "unique": true, "unitRef": "accounts", "xsiNil": "false" } }, "R58": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i7bc0fd41067943d2a89983bf34f793fb_D20210101-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "dfs:NumberofClassesofSecurities", "reportCount": 1, "unique": true, "unitRef": "classes", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2423415 - Disclosure - Credit Card and Private Student Loan Securitization Activities (Narrative) (Details)", "role": "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails", "shortName": "Credit Card and Private Student Loan Securitization Activities (Narrative) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i7bc0fd41067943d2a89983bf34f793fb_D20210101-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "dfs:NumberofClassesofSecurities", "reportCount": 1, "unique": true, "unitRef": "classes", "xsiNil": "false" } }, "R59": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:RestrictedCashAndCashEquivalents", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2424416 - Disclosure - Credit Card and Private Student Loan Securitization Activities (Schedule of Restricted Credit Card Securitized Assets) (Details)", "role": "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "shortName": "Credit Card and Private Student Loan Securitization Activities (Schedule of Restricted Credit Card Securitized Assets) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "dfs:ScheduleOfRestrictedCreditCardSecuritizedAssetsTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ie89f3fe519b44df993b1b5cb1e372a54_I20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:RestrictedCashAndCashEquivalents", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R6": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if02d881f1cee4625b4b61fdc4d47a0af_I20191231", "decimals": "-3", "first": true, "lang": "en-US", "name": "us-gaap:PreferredStockSharesOutstanding", "reportCount": 1, "unique": true, "unitRef": "shares", "xsiNil": "false" }, "groupType": "statement", "isDefault": "false", "longName": "1005006 - Statement - Condensed Consolidated Statements of Changes in Stockholders' Equity", "role": "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "shortName": "Condensed Consolidated Statements of Changes in Stockholders' Equity", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if02d881f1cee4625b4b61fdc4d47a0af_I20191231", "decimals": "-3", "first": true, "lang": "en-US", "name": "us-gaap:PreferredStockSharesOutstanding", "reportCount": 1, "unique": true, "unitRef": "shares", "xsiNil": "false" } }, "R60": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:RestrictedCashAndCashEquivalents", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2425417 - Disclosure - Credit Card and Private Student Loan Securitization Activities (Schedule of Restricted Student Loan Securitized Assets) (Details)", "role": "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails", "shortName": "Credit Card and Private Student Loan Securitization Activities (Schedule of Restricted Student Loan Securitized Assets) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "dfs:ScheduleOfRestrictedStudentLoanSecuritizedAssetsTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifc21d086b4384ebab460ec010160bf6d_I20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:RestrictedCashAndCashEquivalents", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R61": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:IntangibleAssetsNetExcludingGoodwill", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2427418 - Disclosure - Intangible Assets (Details)", "role": "http://www.discovercard.com/role/IntangibleAssetsDetails", "shortName": "Intangible Assets (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i0860a94ce2a943b587078967d68bc9c0_D20210401-20210630", "decimals": "-6", "lang": "en-US", "name": "us-gaap:ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R62": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "dfs:DepositsSourceChannels", "reportCount": 1, "unique": true, "unitRef": "channels", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2430419 - Disclosure - Deposits (Narrative) (Details)", "role": "http://www.discovercard.com/role/DepositsNarrativeDetails", "shortName": "Deposits (Narrative) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "dfs:DepositsSourceChannels", "reportCount": 1, "unique": true, "unitRef": "channels", "xsiNil": "false" } }, "R63": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "dfs:ScheduleOfInterestBearingDepositsTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:TimeDepositsLessThan100000", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2431420 - Disclosure - Deposits (Schedule of Interest Bearing Deposit Accounts) (Details)", "role": "http://www.discovercard.com/role/DepositsScheduleofInterestBearingDepositAccountsDetails", "shortName": "Deposits (Schedule of Interest Bearing Deposit Accounts) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "dfs:ScheduleOfInterestBearingDepositsTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:TimeDepositsLessThan100000", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R64": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "dfs:Scheduleof100000orMoreCertificatesofDepositMaturitiesTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2432421 - Disclosure - Deposits (Schedule of $100,000 or More Certificates of Deposit Maturities) (Details)", "role": "http://www.discovercard.com/role/DepositsScheduleof100000orMoreCertificatesofDepositMaturitiesDetails", "shortName": "Deposits (Schedule of $100,000 or More Certificates of Deposit Maturities) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "dfs:Scheduleof100000orMoreCertificatesofDepositMaturitiesTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R65": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "us-gaap:TimeDepositMaturitiesTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:TimeDepositMaturitiesRemainderOfFiscalYear", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2433422 - Disclosure - Deposits (Schedule of Certificates of Deposit Maturities) (Details)", "role": "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails", "shortName": "Deposits (Schedule of Certificates of Deposit Maturities) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "us-gaap:TimeDepositMaturitiesTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:TimeDepositMaturitiesRemainderOfFiscalYear", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R66": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "iffadfc626600434a978342ee7a082a9c_I20210930", "decimals": "-8", "first": true, "lang": "en-US", "name": "us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2436423 - Disclosure - Long-Term Borrowings (Narrative) (Details)", "role": "http://www.discovercard.com/role/LongTermBorrowingsNarrativeDetails", "shortName": "Long-Term Borrowings (Narrative) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "iffadfc626600434a978342ee7a082a9c_I20210930", "decimals": "-8", "first": true, "lang": "en-US", "name": "us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R67": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "us-gaap:ScheduleOfMaturitiesOfLongTermDebtTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:LongTermDebtAndCapitalLeaseObligations", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2437424 - Disclosure - Long-Term Borrowings (Schedule of Long-Term Borrowings and Weighted Average Interest Rates) (Details)", "role": "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails", "shortName": "Long-Term Borrowings (Schedule of Long-Term Borrowings and Weighted Average Interest Rates) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:ScheduleOfDebtInstrumentsTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "iffadfc626600434a978342ee7a082a9c_I20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:LongTermDebtAndCapitalLeaseObligations", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R68": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "us-gaap:ScheduleOfMaturitiesOfLongTermDebtTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2438425 - Disclosure - Long-Term Borrowings (Schedule of Long-Term Borrowings Maturities) (Details)", "role": "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails", "shortName": "Long-Term Borrowings (Schedule of Long-Term Borrowings Maturities) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "us-gaap:ScheduleOfMaturitiesOfLongTermDebtTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R69": { "firstAnchor": { "ancestors": [ "span", "div", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "us-gaap:PreferredStockParOrStatedValuePerShare", "reportCount": 1, "unitRef": "usdPerShare", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2441426 - Disclosure - Preferred Stock (Details)", "role": "http://www.discovercard.com/role/PreferredStockDetails", "shortName": "Preferred Stock (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:ScheduleOfStockByClassTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i7ef8b3146eb546a0a52e04a22fd0536c_D20171031-20171031", "decimals": null, "lang": "en-US", "name": "dfs:PreferredStockIssueDate", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } }, "R7": { "firstAnchor": { "ancestors": [ "span", "div", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "us-gaap:CommonStockDividendsPerShareDeclared", "reportCount": 1, "unique": true, "unitRef": "usdPerShare", "xsiNil": "false" }, "groupType": "statement", "isDefault": "false", "longName": "1006007 - Statement - Condensed Consolidated Statements of Changes in Stockholders' Equity (Parenthetical)", "role": "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquityParenthetical", "shortName": "Condensed Consolidated Statements of Changes in Stockholders' Equity (Parenthetical)", "subGroupType": "parenthetical", "uniqueAnchor": { "ancestors": [ "span", "div", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "us-gaap:CommonStockDividendsPerShareDeclared", "reportCount": 1, "unique": true, "unitRef": "usdPerShare", "xsiNil": "false" } }, "R70": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i0098b0a30ecb40fbb7be4c71da003731_I20201231", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2444427 - Disclosure - Accumulated Other Comprehensive Income (Schedule of Changes in Accumulated Other Comprehensive Income (Loss)) (Details)", "role": "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails", "shortName": "Accumulated Other Comprehensive Income (Schedule of Changes in Accumulated Other Comprehensive Income (Loss)) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock", "ix:continuation", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "idbeed3882ef04d74b927e20ee25da14a_I20210630", "decimals": "-6", "lang": "en-US", "name": "us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R71": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "us-gaap:ScheduleOfComprehensiveIncomeLossTableTextBlock", "ix:continuation", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2445428 - Disclosure - Accumulated Other Comprehensive Income (Schedule of Other Comprehensive Income Before Reclassifications and Amounts Reclassified from AOCI) (Details)", "role": "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails", "shortName": "Accumulated Other Comprehensive Income (Schedule of Other Comprehensive Income Before Reclassifications and Amounts Reclassified from AOCI) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "us-gaap:ScheduleOfComprehensiveIncomeLossTableTextBlock", "ix:continuation", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R72": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "dfs:ChangeinIncomeTaxExpenseBenefitAmount", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2448429 - Disclosure - Income Taxes (Narrative) (Details)", "role": "http://www.discovercard.com/role/IncomeTaxesNarrativeDetails", "shortName": "Income Taxes (Narrative) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "dfs:ChangeinIncomeTaxExpenseBenefitAmount", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R73": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "dfs:ScheduleofEffectiveIncomeTaxRateCalculationTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2449430 - Disclosure - Income Taxes (Schedule of Effective Income Tax Rate Calculation) (Details)", "role": "http://www.discovercard.com/role/IncomeTaxesScheduleofEffectiveIncomeTaxRateCalculationDetails", "shortName": "Income Taxes (Schedule of Effective Income Tax Rate Calculation) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "dfs:ScheduleofEffectiveIncomeTaxRateCalculationTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "3", "lang": "en-US", "name": "us-gaap:EffectiveIncomeTaxRateContinuingOperations", "reportCount": 1, "unique": true, "unitRef": "number", "xsiNil": "false" } }, "R74": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:NetIncomeLoss", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2452431 - Disclosure - Earnings Per Share (Schedule of Basic and Diluted EPS ) (Details)", "role": "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails", "shortName": "Earnings Per Share (Schedule of Basic and Diluted EPS ) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "lang": "en-US", "name": "dfs:NetIncomeLossAvailableToCommonStockholdersInclParticipatingSecurities", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R75": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i8de078c78a1d4781a6f3f972d8010b68_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:Capital", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2455432 - Disclosure - Capital Adequacy (Schedule of Minimum and Well-Capitalized Requirements) (Details)", "role": "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails", "shortName": "Capital Adequacy (Schedule of Minimum and Well-Capitalized Requirements) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i8de078c78a1d4781a6f3f972d8010b68_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:Capital", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R76": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:GuaranteeObligationsMaximumExposure", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2458433 - Disclosure - Commitments, Contingencies and Guarantees (Narrative) (Details)", "role": "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesNarrativeDetails", "shortName": "Commitments, Contingencies and Guarantees (Narrative) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:GuaranteeObligationsMaximumExposure", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R77": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:ScheduleOfGuaranteeObligationsTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i1541a4a1f3094719ab8e5b09ba5f746d_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "dfs:AggregateTransactionVolume", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2459434 - Disclosure - Commitments, Contingencies and Guarantees (Schedule of Maximum Potential Counterparty Exposures Related to Settlement Guarantees and Merchant Chargeback Guarantee) (Details)", "role": "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesScheduleofMaximumPotentialCounterpartyExposuresRelatedtoSettlementGuaranteesandMerchantChargebackGuaranteeDetails", "shortName": "Commitments, Contingencies and Guarantees (Schedule of Maximum Potential Counterparty Exposures Related to Settlement Guarantees and Merchant Chargeback Guarantee) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:ScheduleOfGuaranteeObligationsTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i1541a4a1f3094719ab8e5b09ba5f746d_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "dfs:AggregateTransactionVolume", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R78": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:LitigationSettlementExpense", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2461435 - Disclosure - Litigation and Regulatory Matters (Narrative) (Details)", "role": "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails", "shortName": "Litigation and Regulatory Matters (Narrative) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:LitigationSettlementExpense", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R79": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ia3bba19735c346f4ac7870f20664cd79_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:AssetImpairmentCharges", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2464436 - Disclosure - Fair Value Measurements (Narrative) (Details)", "role": "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails", "shortName": "Fair Value Measurements (Narrative) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ia3bba19735c346f4ac7870f20664cd79_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:AssetImpairmentCharges", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R8": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:NetIncomeLoss", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "statement", "isDefault": "false", "longName": "1007008 - Statement - Condensed Consolidated Statements of Cash Flows", "role": "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows", "shortName": "Condensed Consolidated Statements of Cash Flows", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:DeferredIncomeTaxExpenseBenefit", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R80": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:AvailableForSaleSecuritiesDebtSecurities", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2465437 - Disclosure - Fair Value Measurements (Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis) (Details)", "role": "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "shortName": "Fair Value Measurements (Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "id828a57a6c7b4eb0a02e563d01e79295_I20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:AvailableForSaleSecuritiesDebtSecurities", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R81": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:HeldToMaturitySecuritiesFairValue", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2466438 - Disclosure - Fair Value Measurements (Schedule of Financial Instruments Measured at Other Than Fair Value) (Details)", "role": "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails", "shortName": "Fair Value Measurements (Schedule of Financial Instruments Measured at Other Than Fair Value) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:FairValueByBalanceSheetGroupingTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i293d5d09cbaf472e9049e537fa912cb4_I20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:HeldToMaturitySecuritiesFairValue", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R82": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "dfs:DerivativeNumberOfTerminatedInstrumentsAssociatedWithCashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths", "reportCount": 1, "unitRef": "transactions", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2469439 - Disclosure - Derivatives and Hedging Activities (Narrative) (Details)", "role": "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "shortName": "Derivatives and Hedging Activities (Narrative) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifd9c1ed91ba44475a6bd29b7b665ebcf_D20210101-20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R83": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:DerivativeFairValueOfDerivativeAsset", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2470440 - Disclosure - Derivatives and Hedging Activities (Schedule of Fair Value and Outstanding Notional Amounts of Derivative Instruments and Related Collateral Balances) (Details)", "role": "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "shortName": "Derivatives and Hedging Activities (Schedule of Fair Value and Outstanding Notional Amounts of Derivative Instruments and Related Collateral Balances) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "ifa41d187d8d148b7a0e6b17399150edf_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:DerivativeFairValueOfDerivativeAsset", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R84": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "dfs:ScheduleofHedgedItemsinFairValueHedgingRelationshipTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i7d4a96cf731c4d82a24f1d2920fb4d47_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:DerivativeAmountOfHedgedItem", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2471441 - Disclosure - Derivatives and Hedging Activities Derivatives and Hedging Activities (Schedule of Hedged Items in a Fair Value Hedging Relationship) (Details)", "role": "http://www.discovercard.com/role/DerivativesandHedgingActivitiesDerivativesandHedgingActivitiesScheduleofHedgedItemsinaFairValueHedgingRelationshipDetails", "shortName": "Derivatives and Hedging Activities Derivatives and Hedging Activities (Schedule of Hedged Items in a Fair Value Hedging Relationship) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "dfs:ScheduleofHedgedItemsinFairValueHedgingRelationshipTableTextBlock", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i7d4a96cf731c4d82a24f1d2920fb4d47_I20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:DerivativeAmountOfHedgedItem", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R85": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "us-gaap:ScheduleOfComprehensiveIncomeLossTableTextBlock", "ix:continuation", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2472442 - Disclosure - Derivatives and Hedging Activities (Schedule of Impact of the Derivative Instruments on Income) (Details)", "role": "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails", "shortName": "Derivatives and Hedging Activities (Schedule of Impact of the Derivative Instruments on Income) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6c98efa0faa3440b9c01831eb0df486e_D20210701-20210930", "decimals": "-6", "lang": "en-US", "name": "dfs:TotalAmountsofLineItemsPresentedintheStatementsofIncome", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R86": { "firstAnchor": { "ancestors": [ "span", "div", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": "INF", "first": true, "lang": "en-US", "name": "us-gaap:NumberOfReportableSegments", "reportCount": 1, "unitRef": "segment", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2475443 - Disclosure - Segment Disclosures (Narrative) (Details)", "role": "http://www.discovercard.com/role/SegmentDisclosuresNarrativeDetails", "shortName": "Segment Disclosures (Narrative) (Details)", "subGroupType": "details", "uniqueAnchor": null }, "R87": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "us-gaap:InterestAndDividendIncomeOperating", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2476444 - Disclosure - Segment Disclosures (Schedule of Segment Disclosures) (Details)", "role": "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails", "shortName": "Segment Disclosures (Schedule of Segment Disclosures) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "id5a7dcc7c80349358c75da71c9643efc_D20210701-20210930", "decimals": "-6", "lang": "en-US", "name": "us-gaap:InterestAndDividendIncomeOperating", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R88": { "firstAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "first": true, "lang": "en-US", "name": "dfs:DiscountAndInterchangeRevenue", "reportCount": 1, "unitRef": "usd", "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2479445 - Disclosure - Revenue from Contracts with Customers (Schedule of Revenue from Contracts with Customers Disaggregated by Business Segment) (Details)", "role": "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails", "shortName": "Revenue from Contracts with Customers (Schedule of Revenue from Contracts with Customers Disaggregated by Business Segment) (Details)", "subGroupType": "details", "uniqueAnchor": { "ancestors": [ "span", "td", "tr", "table", "div", "us-gaap:DisaggregationOfRevenueTableTextBlock", "ix:continuation", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "i6422695bb47c425fbcac39c0903a3ee1_D20210701-20210930", "decimals": "-6", "lang": "en-US", "name": "dfs:NoninterestIncomenotSubjecttoASC606", "reportCount": 1, "unique": true, "unitRef": "usd", "xsiNil": "false" } }, "R9": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "disclosure", "isDefault": "false", "longName": "2101101 - Disclosure - Background and Basis of Presentation", "role": "http://www.discovercard.com/role/BackgroundandBasisofPresentation", "shortName": "Background and Basis of Presentation", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "dfs-20210930.htm", "contextRef": "if76258822df2489fa1268844771b93d6_D20210101-20210930", "decimals": null, "first": true, "lang": "en-US", "name": "us-gaap:OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } } }, "segmentCount": 92, "tag": { "dei_AmendmentFlag": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.", "label": "Amendment Flag", "terseLabel": "Amendment flag" } } }, "localname": "AmendmentFlag", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_CityAreaCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Area code of city", "label": "City Area Code", "terseLabel": "Entity phone number, city area code" } } }, "localname": "CityAreaCode", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_CoverAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Cover page.", "label": "Cover [Abstract]", "terseLabel": "Cover [Abstract]" } } }, "localname": "CoverAbstract", "nsuri": "http://xbrl.sec.gov/dei/2021", "xbrltype": "stringItemType" }, "dei_CurrentFiscalYearEndDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "End date of current fiscal year in the format --MM-DD.", "label": "Current Fiscal Year End Date", "terseLabel": "Current fiscal year end date" } } }, "localname": "CurrentFiscalYearEndDate", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "gMonthDayItemType" }, "dei_DocumentFiscalPeriodFocus": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Fiscal period values are FY, Q1, Q2, and Q3. 1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.", "label": "Document Fiscal Period Focus", "terseLabel": "Document fiscal period focus" } } }, "localname": "DocumentFiscalPeriodFocus", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "fiscalPeriodItemType" }, "dei_DocumentFiscalYearFocus": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.", "label": "Document Fiscal Year Focus", "terseLabel": "Document fiscal year focus" } } }, "localname": "DocumentFiscalYearFocus", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "gYearItemType" }, "dei_DocumentPeriodEndDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.", "label": "Document Period End Date", "terseLabel": "Document period end date" } } }, "localname": "DocumentPeriodEndDate", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "dateItemType" }, "dei_DocumentQuarterlyReport": { "auth_ref": [ "r760" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true only for a form used as an quarterly report.", "label": "Document Quarterly Report", "terseLabel": "Document quarterly report" } } }, "localname": "DocumentQuarterlyReport", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_DocumentTransitionReport": { "auth_ref": [ "r761" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true only for a form used as a transition report.", "label": "Document Transition Report", "terseLabel": "Document transition report" } } }, "localname": "DocumentTransitionReport", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_DocumentType": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.", "label": "Document Type", "terseLabel": "Document type" } } }, "localname": "DocumentType", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "submissionTypeItemType" }, "dei_EntityAddressAddressLine1": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Address Line 1 such as Attn, Building Name, Street Name", "label": "Entity Address, Address Line One", "terseLabel": "Entity address, address line one" } } }, "localname": "EntityAddressAddressLine1", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressCityOrTown": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the City or Town", "label": "Entity Address, City or Town", "terseLabel": "Entity address, city or town" } } }, "localname": "EntityAddressCityOrTown", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressPostalZipCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Code for the postal or zip code", "label": "Entity Address, Postal Zip Code", "terseLabel": "Entity address, postal zip code" } } }, "localname": "EntityAddressPostalZipCode", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressStateOrProvince": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the state or province.", "label": "Entity Address, State or Province", "terseLabel": "Entity address, state or province" } } }, "localname": "EntityAddressStateOrProvince", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "stateOrProvinceItemType" }, "dei_EntityCentralIndexKey": { "auth_ref": [ "r763" ], "lang": { "en-us": { "role": { "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.", "label": "Entity Central Index Key", "terseLabel": "Entity central index key" } } }, "localname": "EntityCentralIndexKey", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "centralIndexKeyItemType" }, "dei_EntityCommonStockSharesOutstanding": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.", "label": "Entity Common Stock, Shares Outstanding", "terseLabel": "Entity common stock, shares outstanding" } } }, "localname": "EntityCommonStockSharesOutstanding", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "sharesItemType" }, "dei_EntityCurrentReportingStatus": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Indicate 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.", "label": "Entity Current Reporting Status", "terseLabel": "Entity current reporting status" } } }, "localname": "EntityCurrentReportingStatus", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "yesNoItemType" }, "dei_EntityDomain": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "All the names of the entities being reported upon in a document. Any legal structure used to conduct activities or to hold assets. Some examples of such structures are corporations, partnerships, limited liability companies, grantor trusts, and other trusts. This item does not include business and geographical segments which are included in the geographical or business segments domains.", "label": "Entity [Domain]", "terseLabel": "Entity [Domain]" } } }, "localname": "EntityDomain", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails" ], "xbrltype": "domainItemType" }, "dei_EntityEmergingGrowthCompany": { "auth_ref": [ "r763" ], "lang": { "en-us": { "role": { "documentation": "Indicate if registrant meets the emerging growth company criteria.", "label": "Entity Emerging Growth Company", "terseLabel": "Emerging growth company" } } }, "localname": "EntityEmergingGrowthCompany", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_EntityFileNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.", "label": "Entity File Number", "terseLabel": "Entity file number" } } }, "localname": "EntityFileNumber", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "fileNumberItemType" }, "dei_EntityFilerCategory": { "auth_ref": [ "r763" ], "lang": { "en-us": { "role": { "documentation": "Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.", "label": "Entity Filer Category", "terseLabel": "Entity filer category" } } }, "localname": "EntityFilerCategory", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "filerCategoryItemType" }, "dei_EntityIncorporationStateCountryCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Two-character EDGAR code representing the state or country of incorporation.", "label": "Entity Incorporation, State or Country Code", "terseLabel": "Entity incorporation, state" } } }, "localname": "EntityIncorporationStateCountryCode", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "edgarStateCountryItemType" }, "dei_EntityInteractiveDataCurrent": { "auth_ref": [ "r781" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).", "label": "Entity Interactive Data Current", "terseLabel": "Entity interactive data current" } } }, "localname": "EntityInteractiveDataCurrent", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "yesNoItemType" }, "dei_EntityRegistrantName": { "auth_ref": [ "r763" ], "lang": { "en-us": { "role": { "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.", "label": "Entity Registrant Name", "terseLabel": "Entity registrant name" } } }, "localname": "EntityRegistrantName", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityShellCompany": { "auth_ref": [ "r763" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act.", "label": "Entity Shell Company", "terseLabel": "Entity shell company" } } }, "localname": "EntityShellCompany", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_EntitySmallBusiness": { "auth_ref": [ "r763" ], "lang": { "en-us": { "role": { "documentation": "Indicates that the company is a Smaller Reporting Company (SRC).", "label": "Entity Small Business", "terseLabel": "Smaller reporting company" } } }, "localname": "EntitySmallBusiness", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_EntityTaxIdentificationNumber": { "auth_ref": [ "r763" ], "lang": { "en-us": { "role": { "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.", "label": "Entity Tax Identification Number", "terseLabel": "Entity tax identification number" } } }, "localname": "EntityTaxIdentificationNumber", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "employerIdItemType" }, "dei_LegalEntityAxis": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The set of legal entities associated with a report.", "label": "Legal Entity [Axis]", "terseLabel": "Legal Entity [Axis]" } } }, "localname": "LegalEntityAxis", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails" ], "xbrltype": "stringItemType" }, "dei_LocalPhoneNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Local phone number for entity.", "label": "Local Phone Number", "terseLabel": "Entity phone number, local phone number" } } }, "localname": "LocalPhoneNumber", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_Security12bTitle": { "auth_ref": [ "r758" ], "lang": { "en-us": { "role": { "documentation": "Title of a 12(b) registered security.", "label": "Title of 12(b) Security", "terseLabel": "Title of 12(b) security" } } }, "localname": "Security12bTitle", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "securityTitleItemType" }, "dei_SecurityExchangeName": { "auth_ref": [ "r759" ], "lang": { "en-us": { "role": { "documentation": "Name of the Exchange on which a security is registered.", "label": "Security Exchange Name", "terseLabel": "Security exchange name" } } }, "localname": "SecurityExchangeName", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "edgarExchangeCodeItemType" }, "dei_TradingSymbol": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Trading symbol of an instrument as listed on an exchange.", "label": "Trading Symbol", "terseLabel": "Trading symbol" } } }, "localname": "TradingSymbol", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformation" ], "xbrltype": "tradingSymbolItemType" }, "dfs_AggregateTransactionVolume": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Aggregate sales transaction volume on the Discover Network.", "label": "Aggregate Transaction Volume", "terseLabel": "Aggregate sales transaction volume" } } }, "localname": "AggregateTransactionVolume", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesScheduleofMaximumPotentialCounterpartyExposuresRelatedtoSettlementGuaranteesandMerchantChargebackGuaranteeDetails" ], "xbrltype": "monetaryItemType" }, "dfs_Amortizationofdeferredrevenuesandaccretionofaccretableyieldonacquiredloans": { "auth_ref": [], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 5.0, "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The amounts of previously reported deferred or unearned revenue that was recognized as revenue during the period and the decrease from accretion of the excess of a loan's cash flows expected to be collected over the investor's initial investment in acquired loans not accounted for as debt securities with evidence of deterioration of credit quality. As a noncash item, it is deducted from net income when calculating cash provided by or used in operations using the indirect method.", "label": "Amortization of deferred revenues and accretion of accretable yield on acquired loans", "negatedTerseLabel": "Amortization of deferred revenues" } } }, "localname": "Amortizationofdeferredrevenuesandaccretionofaccretableyieldonacquiredloans", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "dfs_AvailableForSaleSecuritiesWeightedAverageCouponRate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The weighted average coupon rate of available-for-sale investments that are classified as Level 2 within the fair value hierarchy", "label": "Available for sale securities, weighted average coupon rate", "terseLabel": "Available for sale securities, weighted average coupon rate (in percent)" } } }, "localname": "AvailableForSaleSecuritiesWeightedAverageCouponRate", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails" ], "xbrltype": "percentItemType" }, "dfs_AvailableForSaleSecuritiesWeightedAverageRemainingMaturity": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The weighted average remianing maturity of available for sale investment securities.", "label": "Available for sale securities, Weighted Average Remaining Maturity", "terseLabel": "Available for sale securities, weighted average remaining maturity (in years)" } } }, "localname": "AvailableForSaleSecuritiesWeightedAverageRemainingMaturity", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails" ], "xbrltype": "durationItemType" }, "dfs_AvailableForSaleSecurityParValue": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The par value of credit card asset backed securities, which are included in available-for-sale investments and classified as Level 2 within the fair value hierarchy.", "label": "Available for sale security, par value", "terseLabel": "Available for sale securities, par value" } } }, "localname": "AvailableForSaleSecurityParValue", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "dfs_ChangeinIncomeTaxExpenseBenefitAmount": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The dollar amount of increase (decrease) of income tax expense (benefit) during the reporting period as compared to the same period in the prior year.", "label": "Change in Income Tax Expense (Benefit), Amount", "terseLabel": "Increase (decrease) in income tax expense/benefit, amount" } } }, "localname": "ChangeinIncomeTaxExpenseBenefitAmount", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/IncomeTaxesNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "dfs_CommitmentsContingenciesAndGuaranteesAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Commitments, Contingencies And Guarantees [Abstract]", "label": "Commitments Contingencies and Guarantees [Abstract]", "terseLabel": "Commitments Contingencies and Guarantees [Abstract]" } } }, "localname": "CommitmentsContingenciesAndGuaranteesAbstract", "nsuri": "http://www.discovercard.com/20210930", "xbrltype": "stringItemType" }, "dfs_CommitmentsContingenciesAndGuaranteesLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "[Line Items] for Schedule of Commitments, Contingencies and Guarantees [Table]", "label": "Commitments, Contingencies and Guarantees [Line Items]", "terseLabel": "Commitments, Contingencies and Guarantees [Line Items]" } } }, "localname": "CommitmentsContingenciesAndGuaranteesLineItems", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesNarrativeDetails" ], "xbrltype": "stringItemType" }, "dfs_CommonEquityTierOneCapitalRequiredforCapitalAdequacytoRiskWeightedAssets": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The minimum Common Equity Tier 1 (CET1) Capital Ratio (common equity tier 1 capital divided by risk weighted assets) for capital adequacy purposes under the regulatory framework for prompt corrective action.", "label": "Common Equity Tier One Capital Required for Capital Adequacy to Risk Weighted Assets", "terseLabel": "CET1 capital to risk-weighted assets, minimum capital requirements, ratio (in percent)" } } }, "localname": "CommonEquityTierOneCapitalRequiredforCapitalAdequacytoRiskWeightedAssets", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "percentItemType" }, "dfs_CommonEquityTierOneCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Common Equity Tier 1 (CET1) Capital Ratio (common equity tier 1 capital divided by risk weighted assets) required to be categorized as well capitalized under the regulatory framework for prompt corrective action.", "label": "Common Equity Tier One Capital Required to be Well Capitalized to Risk Weighted Assets", "terseLabel": "CET1 capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent)" } } }, "localname": "CommonEquityTierOneCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "percentItemType" }, "dfs_CommunityReinvestmentActMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Community Reinvestment Act [Member]", "label": "Community Reinvestment Act [Member]", "terseLabel": "Community Reinvestment Act [Member]" } } }, "localname": "CommunityReinvestmentActMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "domainItemType" }, "dfs_ConsumerFinancialProtectionBureauConsentOrderMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Consumer Financial Protection Bureau Consent Order [Member]", "label": "Consumer Financial Protection Bureau Consent Order [Member]", "terseLabel": "Consumer Financial Protection Bureau Consent Order [Member]" } } }, "localname": "ConsumerFinancialProtectionBureauConsentOrderMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "domainItemType" }, "dfs_CreditCardSecuritizationTrustsMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Securitization trusts into which credit card receivables are transferred and from which beneficial interests are issued to investors.", "label": "Credit Card Securitization Trusts [Member]", "terseLabel": "Credit Card Securitization Trusts [Member]" } } }, "localname": "CreditCardSecuritizationTrustsMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "domainItemType" }, "dfs_CreditRiskProfilePercentage": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Most recent FICO scores available as a percentage of class of loan receivables.", "label": "Credit Risk Profile, Percentage", "terseLabel": "FICO distribution %, loan receivables" } } }, "localname": "CreditRiskProfilePercentage", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "percentItemType" }, "dfs_CumulativeAmountofFairValueHedgingAdjustmentincludedinCarryingValueofHedgedItem": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Cumulative Amount of Fair Value Hedging Adjustment Increasing (Decreasing) the Carrying Amount of Hedged Item", "label": "Cumulative Amount of Fair Value Hedging Adjustment included in Carrying Value of Hedged Item", "terseLabel": "Cumulative amount of fair value hedging adjustment increasing (decreasing) the carrying amount of hedged assets/liabilities" } } }, "localname": "CumulativeAmountofFairValueHedgingAdjustmentincludedinCarryingValueofHedgedItem", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesDerivativesandHedgingActivitiesScheduleofHedgedItemsinaFairValueHedgingRelationshipDetails" ], "xbrltype": "monetaryItemType" }, "dfs_CumulativeEffectofASUNo.201613Adoption": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Cumulative Effect of ASU No. 2016-13 Adoption", "label": "Cumulative Effect of ASU No. 2016-13 Adoption", "terseLabel": "Cumulative effect of ASU No. 2016-13 adoption" } } }, "localname": "CumulativeEffectofASUNo.201613Adoption", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails" ], "xbrltype": "monetaryItemType" }, "dfs_CustomerRewardsandIssuerInterchange": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Customer Rewards and Issuer Interchange", "label": "Customer Rewards and Issuer Interchange", "terseLabel": "Customer rewards included in discount and interchange revenue" } } }, "localname": "CustomerRewardsandIssuerInterchange", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "monetaryItemType" }, "dfs_DebtInstrumentCommittedBorrowingCapacityUsed": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The amount of used borrowing capacity under the long-term financing arrangement that is available to the entity as of the balance sheet date.", "label": "Debt Instrument Committed Borrowing Capacity, Used", "terseLabel": "Total used commitment of secured credit facilities" } } }, "localname": "DebtInstrumentCommittedBorrowingCapacityUsed", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "dfs_DelinquencyDaysToDefaultTroubledDebtRestructurings": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Number of days a troubled debt restructuring is delinquent before being deemed in default.", "label": "Delinquency Days To Default, Troubled Debt Restructurings", "terseLabel": "Delinquency days to default (in days)" } } }, "localname": "DelinquencyDaysToDefaultTroubledDebtRestructurings", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails" ], "xbrltype": "durationItemType" }, "dfs_DelinquentLoanQualificationPeriod": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Delinquent Loan Qualification Period", "label": "Delinquent Loan Qualification Period", "terseLabel": "Delinquent Loan Qualification Period" } } }, "localname": "DelinquentLoanQualificationPeriod", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "durationItemType" }, "dfs_DepositarySharesRepresentedByOnePreferredShare": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Depositary Shares Represented by One Preferred Share", "label": "Depositary Shares Represented by One Preferred Share", "terseLabel": "Depositary shares represented by one preferred share" } } }, "localname": "DepositarySharesRepresentedByOnePreferredShare", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "sharesItemType" }, "dfs_DepositsSourceChannels": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "number of major channels through which the company offers its deposits", "label": "Deposits Source Channels", "terseLabel": "Deposits source channels (in number of channels)" } } }, "localname": "DepositsSourceChannels", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/DepositsNarrativeDetails" ], "xbrltype": "integerItemType" }, "dfs_DerivativeCollateralRighttoReclaimCashandSecurities": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of right to reclaim cash and securities collateral under master netting arrangements that have not been offset against derivative assets.", "label": "Derivative, Collateral, Right to Reclaim Cash and Securities", "negatedTerseLabel": "Collateral posted, derivative liabilities" } } }, "localname": "DerivativeCollateralRighttoReclaimCashandSecurities", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails" ], "xbrltype": "monetaryItemType" }, "dfs_DerivativeNumberOfTerminatedInstrumentsAssociatedWithCashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The number of terminated derivative instruments previously designated as a cash flow hedge held by the entity.", "label": "DerivativeNumberOfTerminatedInstrumentsAssociatedWithCashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths", "terseLabel": "DerivativeNumberOfTerminatedInstrumentsAssociatedWithCashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" } } }, "localname": "DerivativeNumberOfTerminatedInstrumentsAssociatedWithCashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails" ], "xbrltype": "integerItemType" }, "dfs_DirectBankingMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Direct Banking [Member]", "label": "Direct Banking [Member]", "terseLabel": "Digital Banking [Member]" } } }, "localname": "DirectBankingMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "dfs_DiscountAndInterchangeRevenue": { "auth_ref": [], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 1.0, "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Includes discount revenue and acquirer interchange net of interchange paid to third-party issuers. Discount revenue is earned from fees charged to merchants with whom the entity has entered into card acceptance agreements for processing cardholder purchase transactions and acquirer interchange revenue from merchant acquirers on all Discover Network card transactions made by cardholders at merchants with whom merchant acquirers have entered into card acceptance agreements for processing cardholder purchase transactions.", "label": "Discount and interchange revenue", "terseLabel": "Discount and interchange revenue, net" } } }, "localname": "DiscountAndInterchangeRevenue", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "monetaryItemType" }, "dfs_DiscoverBankMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Discover Bank [Member]", "label": "Discover Bank [Member]", "terseLabel": "Discover Bank [Member]" } } }, "localname": "DiscoverBankMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "dfs_DiscoverCardExecutionNoteTrustMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Discover Card Execution Note Trust [Member]", "label": "Discover Card Execution Note Trust [Member]", "terseLabel": "Discover Card Execution Note Trust [Member]" } } }, "localname": "DiscoverCardExecutionNoteTrustMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails" ], "xbrltype": "domainItemType" }, "dfs_DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "All credit card securitization trusts.", "label": "Discover Card Master Trust I and Discover Card Execution Note Trust [Member]", "terseLabel": "Discover Card Master Trust I and Discover Card Execution Note Trust [Member]" } } }, "localname": "DiscoverCardMasterTrustIAndDiscoverCardExecutionNoteTrustMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsNarrativeDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "dfs_DividendRateReset": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "DividendRateReset", "label": "DividendRateReset", "terseLabel": "Dividend rate reset" } } }, "localname": "DividendRateReset", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "durationItemType" }, "dfs_EstimatedGrossInterestIncomeBasedOnOriginalTerms": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Gross interest income that would have been recorded based on original terms of delinquent loans.", "label": "Estimated Gross Interest Income Based on Original Terms", "verboseLabel": "Estimated gross interest income that would have been recorded based on original terms" } } }, "localname": "EstimatedGrossInterestIncomeBasedOnOriginalTerms", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails" ], "xbrltype": "monetaryItemType" }, "dfs_ExpectedEOY2AnnualizedIncreaseInGDP": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Expected EOY2 Annualized Increase in GDP", "label": "Expected EOY2 Annualized Increase in GDP", "terseLabel": "Expected EOY2 Annualized Increase in GDP" } } }, "localname": "ExpectedEOY2AnnualizedIncreaseInGDP", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "percentItemType" }, "dfs_ExpectedEOY2UnemploymentRate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Expected EOY2 Unemployment Rate", "label": "Expected EOY2 Unemployment Rate", "terseLabel": "Expected EOY2 Unemployment Rate" } } }, "localname": "ExpectedEOY2UnemploymentRate", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "percentItemType" }, "dfs_ExpectedEOYAnnualizedIncreaseInGDP": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Expected EOY Annualized Increase in GDP", "label": "Expected EOY Annualized Increase in GDP", "terseLabel": "Expected EY Annualized Increase in GDP" } } }, "localname": "ExpectedEOYAnnualizedIncreaseInGDP", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "percentItemType" }, "dfs_ExpectedEOYUnemploymentRate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Expected EOY Unemployment Rate", "label": "Expected EOY Unemployment Rate", "terseLabel": "Expected EOY Unemployment Rate" } } }, "localname": "ExpectedEOYUnemploymentRate", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "percentItemType" }, "dfs_ExpectedFuturePeakUnemploymentRate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Expected Future Peak Unemployment Rate", "label": "Expected Future Peak Unemployment Rate", "terseLabel": "Expected Future Peak Unemployment Rate" } } }, "localname": "ExpectedFuturePeakUnemploymentRate", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "percentItemType" }, "dfs_FICODistributionOriginatedFiveorMoreYearsBeforeLatestFiscalYear": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "FICO score as a percentage of loan receivables originated five or more years before latest fiscal year", "label": "FICO Distribution %, Originated Five or More Years Before Latest Fiscal Year", "terseLabel": "FICO distribution %, originated prior to 2017" } } }, "localname": "FICODistributionOriginatedFiveorMoreYearsBeforeLatestFiscalYear", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "percentItemType" }, "dfs_FICODistributionOriginatedFourYearsBeforeLatestFiscalYear": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "FICO score as a percentage of loan receivables originated four years before latest fiscal year", "label": "FICO Distribution %, Originated Four Years Before Latest Fiscal Year", "terseLabel": "FICO distribution %, originated in 2017" } } }, "localname": "FICODistributionOriginatedFourYearsBeforeLatestFiscalYear", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "percentItemType" }, "dfs_FICODistributionOriginatedThreeYearsBeforeLatestFiscalYear": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "FICO score as a percentage of loan receivables originated three years before latest fiscal year", "label": "FICO Distribution %, Originated Three Years Before Latest Fiscal Year", "terseLabel": "FICO distribution %, originated in 2018" } } }, "localname": "FICODistributionOriginatedThreeYearsBeforeLatestFiscalYear", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "percentItemType" }, "dfs_FICODistributionOriginatedTwoYearsBeforeLatestFiscalYear": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "FICO score as a percentage of loan receivables originated two years before latest fiscal year", "label": "FICO Distribution %, Originated Two Years Before Latest Fiscal Year", "terseLabel": "FICO distribution %, originated in 2019" } } }, "localname": "FICODistributionOriginatedTwoYearsBeforeLatestFiscalYear", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "percentItemType" }, "dfs_FICODistributionOriginatedinCurrentFiscalYear": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "FICO score as a percentage of loan receivables originated in current fiscal year", "label": "FICO Distribution %, Originated in Current Fiscal Year", "terseLabel": "FICO distribution %, originated in 2021" } } }, "localname": "FICODistributionOriginatedinCurrentFiscalYear", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "percentItemType" }, "dfs_FICODistributionOriginatedinFiscalYearBeforeLatestFiscalYear": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "FICO score as a percentage of loan receivables originated in fiscal year before latest fiscal year", "label": "FICO Distribution %, Originated in Fiscal Year Before Latest Fiscal Year", "terseLabel": "FICO distribution %, originated in 2020" } } }, "localname": "FICODistributionOriginatedinFiscalYearBeforeLatestFiscalYear", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "percentItemType" }, "dfs_FICODistributionRevolving": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "FICO score as a percentage of revolving loan receivables", "label": "FICO Distribution %, Revolving", "terseLabel": "FICO distribution %, credit card" } } }, "localname": "FICODistributionRevolving", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "percentItemType" }, "dfs_FICOScore660andAboveMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "FICO Score, 660 and Above [Member]", "label": "FICO Score, 660 and Above [Member]", "terseLabel": "FICO Score, 660 and Above [Member]" } } }, "localname": "FICOScore660andAboveMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "domainItemType" }, "dfs_FICOScoreLessThan660OrNoScoreMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "FICO Score, Less Than 660 Or No Score [Member]", "label": "FICO Score, Less Than 660 Or No Score [Member]", "terseLabel": "FICO Score, Less Than 660 Or No Score [Member]" } } }, "localname": "FICOScoreLessThan660OrNoScoreMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "domainItemType" }, "dfs_FeesAccruedSubsequentlyChargedOffNetOfRecoveries": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fees accrued subsequently charged off, net of recoveries (recorded as a reduction to other income).", "label": "Fees Accrued Subsequently Charged Off Net Of Recoveries", "terseLabel": "Fees accrued subsequently charged-off, net of recoveries (recorded\u00a0as\u00a0a\u00a0reduction\u00a0to\u00a0other\u00a0income)" } } }, "localname": "FeesAccruedSubsequentlyChargedOffNetOfRecoveries", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofNetChargeoffsofInterestandFeeRevenuesonLoanReceivablesDetails" ], "xbrltype": "monetaryItemType" }, "dfs_FinancingReceivableAllowanceforCreditLossOtherAdjustment": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of other addition (reduction) in allowance for credit loss", "label": "Financing Receivable, Allowance for Credit Loss, Other Adjustment", "terseLabel": "Other" } } }, "localname": "FinancingReceivableAllowanceforCreditLossOtherAdjustment", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails" ], "xbrltype": "monetaryItemType" }, "dfs_FinancingReceivableAllowanceforCreditLossReasonableandSupportableForecastPeriod": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Reasonable and supportable forecast period used in estimating allowance for credit losses on financing receivables", "label": "Financing Receivable, Allowance for Credit Loss, Reasonable and Supportable Forecast Period", "terseLabel": "Reasonable and supportable forecast period" } } }, "localname": "FinancingReceivableAllowanceforCreditLossReasonableandSupportableForecastPeriod", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "durationItemType" }, "dfs_FinancingReceivableAllowanceforCreditLossReversionPeriod": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Reversion period used in estimating allowance for credit losses on financing receivables", "label": "Financing Receivable, Allowance for Credit Loss, Reversion Period", "terseLabel": "Reversion period" } } }, "localname": "FinancingReceivableAllowanceforCreditLossReversionPeriod", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "durationItemType" }, "dfs_FinancingReceivableModificationsSubsequentDefaultNumberofMissedPayments": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The number of consecutive missed payments after which a customer defaults from a modification program for credit card and personal loans.", "label": "Financing Receivable Modifications Subsequent Default Number of Missed Payments", "terseLabel": "Amount of missed payments after which a customer defaults from a TDR program (in payments)" } } }, "localname": "FinancingReceivableModificationsSubsequentDefaultNumberofMissedPayments", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails" ], "xbrltype": "integerItemType" }, "dfs_FinancingReceivablePastDueBalancesbyOriginationTableTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "[Table Text Block] for Table detailing financing receivables by past due status and year of origination", "label": "Financing Receivable, Past Due Balances by Origination [Table Text Block]", "terseLabel": "Schedule of Delinquent Loans by Origination Year" } } }, "localname": "FinancingReceivablePastDueBalancesbyOriginationTableTextBlock", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesTables" ], "xbrltype": "textBlockItemType" }, "dfs_FinancingReceivables30to89DaysPastDueMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Financing receivables that are more than 29 days past due but fewer than 90 days past due.", "label": "Financing Receivables, 30 to 89 Days Past Due [Member]", "terseLabel": "30-89 Days Delinquent [Member]" } } }, "localname": "FinancingReceivables30to89DaysPastDueMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails" ], "xbrltype": "domainItemType" }, "dfs_FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Financing receivables that are equal to or greater than 30 days past due.", "label": "Financing Receivables, Equal to or Greater than 30 Days Past Due [Member]", "terseLabel": "Total Past Due [Member]" } } }, "localname": "FinancingReceivablesEqualtoorGreaterthan30DaysPastDueMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails" ], "xbrltype": "domainItemType" }, "dfs_FinancingReceivablesModificationsEnteringProgramConvertedfromRevolvingLineofCreditArrangementtoTermLoan": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The amount of outstanding loan receivables that have been modified by troubled debt restructurings during the current period and were converted from revolving line-of-credit arrangements to term loans", "label": "Financing Receivables Modifications Entering Program, Converted from Revolving Line-of-Credit Arrangement to Term Loan", "terseLabel": "Accounts that entered a TDR program during the period and were converted from revolving line-of-credit arrangements to term loans, balances" } } }, "localname": "FinancingReceivablesModificationsEnteringProgramConvertedfromRevolvingLineofCreditArrangementtoTermLoan", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails" ], "xbrltype": "monetaryItemType" }, "dfs_FinancingReceivablesModificationsEnteringProgramNumberOfContracts": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The number of financing receivables that have been modified by troubled debt restructurings during the period.", "label": "Financing Receivables Modifications Entering Program, Number of Contracts", "terseLabel": "Accounts that entered a TDR program during the period, number of accounts (in accounts)" } } }, "localname": "FinancingReceivablesModificationsEnteringProgramNumberOfContracts", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails" ], "xbrltype": "integerItemType" }, "dfs_FinancingReceivablesModificationsEnteringProgramRecordedInvestment": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The amount of outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings during the period.", "label": "Financing Receivables Modifications Entering Program, Recorded Investment", "terseLabel": "Accounts that entered a TDR program during the period, balances" } } }, "localname": "FinancingReceivablesModificationsEnteringProgramRecordedInvestment", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails" ], "xbrltype": "monetaryItemType" }, "dfs_FiveYearTreasuryRateMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Five-Year Treasury Rate", "label": "Five-Year Treasury Rate [Member]", "terseLabel": "Five-Year Treasury Rate" } } }, "localname": "FiveYearTreasuryRateMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "domainItemType" }, "dfs_FixedRateAssetBackedSecuritiesMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Fixed Rate Asset Backed Securities [Member]", "label": "Fixed Rate Asset Backed Securities [Member]", "terseLabel": "Fixed-Rate Asset-Backed Securities [Member]" } } }, "localname": "FixedRateAssetBackedSecuritiesMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "dfs_FixedRateRetailNotesMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Fixed Rate Retail Notes [Member]", "label": "Fixed Rate Retail Notes [Member]", "terseLabel": "Fixed-Rate Retail Notes [Member]" } } }, "localname": "FixedRateRetailNotesMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "dfs_FixedRateSeniorNotesMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Fixed Rate Senior Notes [Member]", "label": "Fixed Rate Senior Notes [Member]", "terseLabel": "Fixed-Rate Senior Notes [Member]" } } }, "localname": "FixedRateSeniorNotesMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "dfs_FloatingRateAssetBackedSecuritiesMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Floating Rate Asset Backed Securities [Member]", "label": "Floating Rate Asset Backed Securities [Member]", "terseLabel": "Floating-Rate Asset-Backed Securities [Member]" } } }, "localname": "FloatingRateAssetBackedSecuritiesMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "dfs_IntangibleAssetsAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Intangible Assets [Abstract]", "label": "Intangible Assets [Abstract]", "terseLabel": "Intangible Assets [Abstract]" } } }, "localname": "IntangibleAssetsAbstract", "nsuri": "http://www.discovercard.com/20210930", "xbrltype": "stringItemType" }, "dfs_InterestAndFeesAccruedSubsequentlyChargedOffNetOfRecoveries": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Interest and fees accrued subsequently charged off, net of recoveries (recorded as a reduction of interest income).", "label": "Interest And Fees Accrued Subsequently Charged Off Net Of Recoveries", "terseLabel": "Interest and fees accrued subsequently charged-off, net of recoveries (recorded\u00a0as\u00a0a\u00a0reduction of interest income)" } } }, "localname": "InterestAndFeesAccruedSubsequentlyChargedOffNetOfRecoveries", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofNetChargeoffsofInterestandFeeRevenuesonLoanReceivablesDetails" ], "xbrltype": "monetaryItemType" }, "dfs_InterestAndFeesForgivenDueToLoanModificationProgram": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of interst and fees forgiven as a result of receivables entering loan modification program", "label": "Interest and fees forgiven due to loan modification program", "verboseLabel": "Interest and fees forgiven due to credit card loan modification program" } } }, "localname": "InterestAndFeesForgivenDueToLoanModificationProgram", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "dfs_InterestPayableFairValueDisclosure": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure and may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. This item represents accrued interest payable on all forms of debt, including trade payables, that has been incurred and is unpaid as of the balance sheet date.", "label": "Interest Payable Fair Value Disclosure", "terseLabel": "Accrued interest payables" } } }, "localname": "InterestPayableFairValueDisclosure", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "monetaryItemType" }, "dfs_InterestReceivableFairValueDisclosure": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure and may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. This item represents interest earned but not received as of the balance sheet date.", "label": "Interest Receivable Fair Value Disclosure", "terseLabel": "Accrued interest receivables" } } }, "localname": "InterestReceivableFairValueDisclosure", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "monetaryItemType" }, "dfs_InternationalTransactionProcessingRightsMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "International Transaction Processing Rights [Member]", "label": "International Transaction Processing Rights [Member]", "terseLabel": "International Transaction Processing Rights [Member]" } } }, "localname": "InternationalTransactionProcessingRightsMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/IntangibleAssetsDetails" ], "xbrltype": "domainItemType" }, "dfs_InvestorsInterests": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Beneficial interests in consolidated securitization trusts that are issued to third party investors.", "label": "Investors Interests", "verboseLabel": "Investors' interest" } } }, "localname": "InvestorsInterests", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "monetaryItemType" }, "dfs_InvestorsInterestsHeldByThirdPartyInvestors": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Beneficial interests in consolidated securitization trusts that are held by third parties.", "label": "Investors Interests Held By Third Party Investors", "terseLabel": "Investors' interests held by third-party investors" } } }, "localname": "InvestorsInterestsHeldByThirdPartyInvestors", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails" ], "xbrltype": "monetaryItemType" }, "dfs_InvestorsInterestsHeldByWhollyOwnedSubsidiaries": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Beneficial interests in consolidated securitization trusts that are held by subsidiaries to provide credit enhancement.", "label": "Investors Interests Held By Wholly Owned Subsidiaries", "terseLabel": "Investors' interests held by wholly-owned subsidiaries of Discover Bank" } } }, "localname": "InvestorsInterestsHeldByWhollyOwnedSubsidiaries", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails" ], "xbrltype": "monetaryItemType" }, "dfs_LoanPortfolioSegments": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Number of loan portfolio segments.", "label": "Loan Portfolio Segments", "terseLabel": "Number of loan portfolio segments (in segments)" } } }, "localname": "LoanPortfolioSegments", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "integerItemType" }, "dfs_Loanfeeincome": { "auth_ref": [], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 3.0, "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Loan Fee Income", "label": "Loan fee income", "terseLabel": "Loan fee income" } } }, "localname": "Loanfeeincome", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "monetaryItemType" }, "dfs_MerchantChargebackGuaranteesMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Loss contingency relating to disputed credit card transactions between a credit card customer and a merchant with whom the company has a direct relationship.", "label": "Merchant Chargeback Guarantees [Member]", "terseLabel": "Merchant Chargeback Guarantees [Member]" } } }, "localname": "MerchantChargebackGuaranteesMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesScheduleofMaximumPotentialCounterpartyExposuresRelatedtoSettlementGuaranteesandMerchantChargebackGuaranteeDetails", "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesTables" ], "xbrltype": "domainItemType" }, "dfs_NetIncomeLossAvailableToCommonStockholdersInclParticipatingSecurities": { "auth_ref": [], "calculation": { "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails": { "order": 1.0, "parentTag": "us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, after deduction of tax and noncontrolling interests; of income (loss) available to common shareholders.", "label": "Net Income Loss Available to Common Stockholders Incl. Participating Securities", "totalLabel": "Net income available to common stockholders" } } }, "localname": "NetIncomeLossAvailableToCommonStockholdersInclParticipatingSecurities", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "monetaryItemType" }, "dfs_NoninterestIncomenotSubjecttoASC606": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Noninterest Income not Subject to ASC 606", "label": "Noninterest Income not Subject to ASC 606", "terseLabel": "Total other income (loss) not subject to ASC 606" } } }, "localname": "NoninterestIncomenotSubjecttoASC606", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "monetaryItemType" }, "dfs_NumberofClassesofSecurities": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Number of classes of securities in the securitization debt structure", "label": "Number of Classes of Securities", "terseLabel": "Number of classes of securities in debt structure (in classes)" } } }, "localname": "NumberofClassesofSecurities", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails" ], "xbrltype": "integerItemType" }, "dfs_OneMonthLondonInterbankOfferedRateLIBORMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "One-Month London Interbank Offered Rate (LIBOR) [Member]", "label": "One-Month London Interbank Offered Rate (LIBOR) [Member]", "terseLabel": "1-Month LIBOR [Member]" } } }, "localname": "OneMonthLondonInterbankOfferedRateLIBORMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "dfs_OtherLoansMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Other Loans [Member]", "label": "Other Loans [Member]", "terseLabel": "Other Loans [Member]", "verboseLabel": "Other Loans [Member]" } } }, "localname": "OtherLoansMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "dfs_OtherLoansandInvestmentIncomeMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Other Loans and Investment Income [Member]", "label": "Other Loans and Investment Income [Member]", "terseLabel": "Other [Member]" } } }, "localname": "OtherLoansandInvestmentIncomeMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "dfs_OtherShorttermInvestmentsFairValueDisclosure": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Other short-term investments fair value disclosure", "label": "Other Short-term Investments Fair Value Disclosure", "terseLabel": "Other short-term investments, fair value" } } }, "localname": "OtherShorttermInvestmentsFairValueDisclosure", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "monetaryItemType" }, "dfs_PaymentServicesMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Payment Services [Member]", "label": "Payment Services [Member]", "terseLabel": "Payment Services [Member]" } } }, "localname": "PaymentServicesMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "dfs_PendingAndThreatenedLitigationMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Risk of loss associated with the outcome of both pending and threatened litigation", "label": "Pending and Threatened Litigation [Member]", "terseLabel": "Pending and Threatened Litigation [Member]" } } }, "localname": "PendingAndThreatenedLitigationMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "domainItemType" }, "dfs_PercentageOfDefaultedLoansThatChargedOff": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Percentage of loan account balances charged off in month of default.", "label": "Percentage of defaulted loans that charged off", "terseLabel": "Percentage of defaulted loans that were charged off at the end of the month in which they defaulted (in percent)" } } }, "localname": "PercentageOfDefaultedLoansThatChargedOff", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "percentItemType" }, "dfs_PermanentProgramMaximumRepaymentTerm": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The maximum term over which a borrower in a permanent program can pay off their outstanding balance", "label": "Permanent Program Maximum Repayment Term", "terseLabel": "Maximum repayment term for permanent modification programs (in years)" } } }, "localname": "PermanentProgramMaximumRepaymentTerm", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "durationItemType" }, "dfs_PermanentWorkoutProgramMaturity": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Maximum maturity period for fixed payment loans with reduced interest rate provided for borrowers facing financial hardship", "label": "Permanent Workout Program, Maturity", "terseLabel": "Permanent workout program maturity (in months)" } } }, "localname": "PermanentWorkoutProgramMaturity", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "durationItemType" }, "dfs_PersonalLoansMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Personal Loans [Member]", "label": "Personal Loans [Member]", "terseLabel": "Personal Loans [Member]" } } }, "localname": "PersonalLoansMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "dfs_PreferredStockBasisSpreadOnVariableRateRateToBeUsedInFuturePeriods": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Percentage points added to the reference rate in future periods to compute the variable rate on the preferred stock instrument.", "label": "Preferred Stock Basis Spread on Variable Rate, Rate to Be Used in Future Periods", "terseLabel": "Preferred stock basis spread on variable rate, rate to be used in future periods" } } }, "localname": "PreferredStockBasisSpreadOnVariableRateRateToBeUsedInFuturePeriods", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "percentItemType" }, "dfs_PreferredStockDepositarySharesIssued": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Total number of nonredeemable preferred depositary shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.", "label": "PreferredStockDepositarySharesIssued", "terseLabel": "Preferred stock, depositary shares issued (in number of depositary shares)" } } }, "localname": "PreferredStockDepositarySharesIssued", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "sharesItemType" }, "dfs_PreferredStockDividendPaymentRateVariableRateToBeUsedinFuturePeriods": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Preferred Stock Dividend Payment Rate Variable, Rate To Be Used in Future Periods", "label": "Preferred Stock Dividend Payment Rate Variable, Rate To Be Used in Future Periods", "terseLabel": "Preferred stock dividend payment rate variable, rate to be used in future periods" } } }, "localname": "PreferredStockDividendPaymentRateVariableRateToBeUsedinFuturePeriods", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "stringItemType" }, "dfs_PreferredStockEarliestRedemptionDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The earliest date the preferred stock can be redeemed.", "label": "PreferredStockEarliestRedemptionDate", "terseLabel": "Preferred stock, earliest redemption date" } } }, "localname": "PreferredStockEarliestRedemptionDate", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "dateItemType" }, "dfs_PreferredStockIssueDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The preferred stock issue date.", "label": "PreferredStockIssueDate", "terseLabel": "Preferred stock, initial issue date" } } }, "localname": "PreferredStockIssueDate", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "dateItemType" }, "dfs_Protectionproductsrevenue": { "auth_ref": [], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 2.0, "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Protection products revenue", "label": "Protection products revenue", "terseLabel": "Protection products revenue" } } }, "localname": "Protectionproductsrevenue", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "monetaryItemType" }, "dfs_RedemptionPeriodOfPreferredStockFollowingRegulatoryCapitalEvent": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Preferred stock is redeemable at Company's option in whole at any time within 90 days following a regulatory capital event.", "label": "Redemption Period of Preferred Stock Following Regulatory Capital Event", "terseLabel": "Redemption period of preferred stock following regulatory capital treatment event" } } }, "localname": "RedemptionPeriodOfPreferredStockFollowingRegulatoryCapitalEvent", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "durationItemType" }, "dfs_RestrictedCashFairValueDisclosure": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Restricted Cash Fair Value Disclosure", "label": "Restricted Cash Fair Value Disclosure", "terseLabel": "Restricted cash" } } }, "localname": "RestrictedCashFairValueDisclosure", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "monetaryItemType" }, "dfs_RevolvingLineofCreditArrangementConvertedtoTermLoanthroughLoanModificationProgramEndingBalance": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The amount of ending loan receivables that were converted from revolving line-of-credit arrangements to term loans through a troubled debt restructuring program", "label": "Revolving Line-of-Credit Arrangement Converted to Term Loan through Loan Modification Program, Ending Balance", "terseLabel": "Revolving line-of-credit arrangements that were converted to term loans as a result of a TDR program, ending balance" } } }, "localname": "RevolvingLineofCreditArrangementConvertedtoTermLoanthroughLoanModificationProgramEndingBalance", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "monetaryItemType" }, "dfs_ScheduleOfCommitmentsContingenciesAndGuaranteesTable": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Schedule of Commitments, Contingencies and Guarantees [Table]", "label": "Schedule of Commitments, Contingencies and Guarantees [Table]", "terseLabel": "Schedule of Commitments, Contingencies and Guarantees [Table]" } } }, "localname": "ScheduleOfCommitmentsContingenciesAndGuaranteesTable", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesNarrativeDetails" ], "xbrltype": "stringItemType" }, "dfs_ScheduleOfInterestBearingDepositsTableTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Table providing a detail of interest-bearing deposits held.", "label": "Schedule Of Interest Bearing Deposits [Table Text Block]", "terseLabel": "Schedule of Interest Bearing Deposit Accounts" } } }, "localname": "ScheduleOfInterestBearingDepositsTableTextBlock", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/DepositsTables" ], "xbrltype": "textBlockItemType" }, "dfs_ScheduleOfNetChargeOffsOfInterestAndFeeRevenuesOnLoanReceivablesTableTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Table detailing loan balances charged off, net of recoveries.", "label": "Schedule of Net Charge Offs of Interest and Fee Revenues on Loan Receivables [Table Text Block]", "terseLabel": "Schedule of Net Charge-offs of Interest and Fee Revenues on Loan Receivables" } } }, "localname": "ScheduleOfNetChargeOffsOfInterestAndFeeRevenuesOnLoanReceivablesTableTextBlock", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesTables" ], "xbrltype": "textBlockItemType" }, "dfs_ScheduleOfRestrictedCreditCardSecuritizedAssetsTableTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Schedule of restricted securitized assets of the Company's credit card variable interest entities.", "label": "Schedule Of Restricted Credit Card Securitized Assets [Table Text Block]", "terseLabel": "Schedule of Restricted Credit Card Securitized Assets" } } }, "localname": "ScheduleOfRestrictedCreditCardSecuritizedAssetsTableTextBlock", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesTables" ], "xbrltype": "textBlockItemType" }, "dfs_ScheduleOfRestrictedStudentLoanSecuritizedAssetsTableTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Schedule of restricted securitized assets of the Company's student loan variable interest entities.", "label": "Schedule Of Restricted Student Loan Securitized Assets [Table Text Block]", "terseLabel": "Schedule of Restricted Private Student Loan Securitized Assets" } } }, "localname": "ScheduleOfRestrictedStudentLoanSecuritizedAssetsTableTextBlock", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesTables" ], "xbrltype": "textBlockItemType" }, "dfs_Scheduleof100000orMoreCertificatesofDepositMaturitiesTableTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Table providing contractual maturities of time deposits of $100,000 or more.", "label": "Schedule of $100,000 or More Certificates of Deposit Maturities [Table Text Block]", "terseLabel": "Schedule of $100,000 or More Certificates of Deposit Maturities" } } }, "localname": "Scheduleof100000orMoreCertificatesofDepositMaturitiesTableTextBlock", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/DepositsTables" ], "xbrltype": "textBlockItemType" }, "dfs_ScheduleofEffectiveIncomeTaxRateCalculationTableTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of the calculation of effective income tax rate based on reported amounts of income before income tax expense and income tax expense.", "label": "Schedule of Effective Income Tax Rate Calculation [Table Text Block]", "verboseLabel": "Schedule of Effective Income Tax Rate Calculation" } } }, "localname": "ScheduleofEffectiveIncomeTaxRateCalculationTableTextBlock", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/IncomeTaxesTables" ], "xbrltype": "textBlockItemType" }, "dfs_ScheduleofHedgedItemsinFairValueHedgingRelationshipLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "[Line Items] for Hedged Items in Fair Value Hedging Relationship [Table]", "label": "Schedule of Hedged Items in Fair Value Hedging Relationship [Line Items]", "terseLabel": "Schedule of Hedged Items in Fair Value Hedging Relationship [Line Items]" } } }, "localname": "ScheduleofHedgedItemsinFairValueHedgingRelationshipLineItems", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesDerivativesandHedgingActivitiesScheduleofHedgedItemsinaFairValueHedgingRelationshipDetails" ], "xbrltype": "stringItemType" }, "dfs_ScheduleofHedgedItemsinFairValueHedgingRelationshipTable": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Hedged Items in Fair Value Hedging Relationship [Table]", "label": "Schedule of Hedged Items in Fair Value Hedging Relationship [Table]", "terseLabel": "Schedule of Hedged Items in Fair Value Hedging Relationship [Table]" } } }, "localname": "ScheduleofHedgedItemsinFairValueHedgingRelationshipTable", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesDerivativesandHedgingActivitiesScheduleofHedgedItemsinaFairValueHedgingRelationshipDetails" ], "xbrltype": "stringItemType" }, "dfs_ScheduleofHedgedItemsinFairValueHedgingRelationshipTableTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "[Table Text Block] for Hedged Items in Fair Value Hedging Relationship [Table]", "label": "Schedule of Hedged Items in Fair Value Hedging Relationship [Table Text Block]", "terseLabel": "Schedule of Hedged Items in Fair Value Hedging Relationship" } } }, "localname": "ScheduleofHedgedItemsinFairValueHedgingRelationshipTableTextBlock", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesTables" ], "xbrltype": "textBlockItemType" }, "dfs_ScheduleofLoansThatEnteredaModificationProgramDuringthePeriodTableTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Table providing information on loans that entered a loan modification program during the period.", "label": "Schedule of Loans That Entered a Modification Program During the Period [Table Text Block]", "terseLabel": "Schedule of Loans That Entered a Modification Program During the Period" } } }, "localname": "ScheduleofLoansThatEnteredaModificationProgramDuringthePeriodTableTextBlock", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesTables" ], "xbrltype": "textBlockItemType" }, "dfs_ScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedTableTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Schedule of Troubled Debt Restructurings That Subsequently Defaulted [Table Text Block]", "label": "Schedule of Troubled Debt Restructurings That Subsequently Defaulted [Table Text Block]", "terseLabel": "Schedule of Troubled Debt Restructurings That Subsequently Defaulted" } } }, "localname": "ScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedTableTextBlock", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesTables" ], "xbrltype": "textBlockItemType" }, "dfs_SecuritizationActivitiesAxis": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Information by type of securitization trust", "label": "Securitization Activities [Axis]", "terseLabel": "Securitization Activities [Axis]" } } }, "localname": "SecuritizationActivitiesAxis", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "stringItemType" }, "dfs_SecuritizationActivitiesDomain": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Representing all types of securitization trusts into which loan receivables are transferred and from which beneficial interests are issued to investors.", "label": "Securitization Activities [Domain]", "terseLabel": "Securitization Activities [Domain]" } } }, "localname": "SecuritizationActivitiesDomain", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "domainItemType" }, "dfs_SellersInterest": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Beneficial interests in consolidated securitization trusts that are retained by the company.", "label": "Sellers' interest", "terseLabel": "Seller's interest" } } }, "localname": "SellersInterest", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "monetaryItemType" }, "dfs_SeniorBankNotesMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Senior Bank Notes [Member]", "label": "Senior Bank Notes [Member]", "terseLabel": "Fixed-Rate Senior Bank Notes [Member]" } } }, "localname": "SeniorBankNotesMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "dfs_SettlementWithholdingsAndEscrowDeposits": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amounts withheld from merchants or covered by third-party guarantors, to mitigate the risk of potential loss relating to merchant chargeback guarantees.", "label": "Settlement Withholdings And Escrow Deposits", "terseLabel": "Escrow deposits and settlement withholdings" } } }, "localname": "SettlementWithholdingsAndEscrowDeposits", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "dfs_SlcPrivateStudentLoanTrustMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "All student loan securitization trusts.", "label": "Slc Private Student Loan Trust [Member]", "terseLabel": "Student Loan Trust [Member]" } } }, "localname": "SlcPrivateStudentLoanTrustMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "dfs_StudentLoanSecuritizationTrustsMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Securitization trusts into which student loan receivables are transferred and from which beneficial interests are issued to investors.", "label": "Student Loan Securitization Trusts [Member]", "terseLabel": "Private Student Loan Securitization Trusts [Member]" } } }, "localname": "StudentLoanSecuritizationTrustsMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "domainItemType" }, "dfs_StudentLoansInForbearance": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Represents student loans accounts whose payments have been temporarily suspended due to temporary financial difficulties.", "label": "Student loans in forbearance", "terseLabel": "Private student loans in forbearance" } } }, "localname": "StudentLoansInForbearance", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "dfs_StudentLoansinRepayment": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Represents student loans in repayment", "label": "Student Loans in Repayment", "terseLabel": "Private student loans in repayment" } } }, "localname": "StudentLoansinRepayment", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "dfs_SubordinatedBankNotesMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Subordinated Bank Notes [Member]", "label": "Subordinated Bank Notes [Member]", "terseLabel": "Fixed-Rate Subordinated Bank Notes [Member]" } } }, "localname": "SubordinatedBankNotesMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "dfs_TemporaryReducedPaymentProgramMaximumPeriodofPaymentReduction": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The maximum period at a time of payment reduction offered to student loan customers who are in the temporary reduced payment program due to financial difficulties.", "label": "Temporary Reduced Payment Program, Maximum Period of Payment Reduction", "terseLabel": "Maximum period of payment reduction for the temporary reduced payment program (in months)" } } }, "localname": "TemporaryReducedPaymentProgramMaximumPeriodofPaymentReduction", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "durationItemType" }, "dfs_ThreeMonthLondonInterbankOfferedRateLIBORMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Three-Month London Interbank Offered Rate (LIBOR) [Member]", "label": "Three-Month London Interbank Offered Rate (LIBOR) [Member]", "terseLabel": "Three-Month London Interbank Offered Rate (LIBOR)" } } }, "localname": "ThreeMonthLondonInterbankOfferedRateLIBORMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "domainItemType" }, "dfs_TimeDepositMaturitiesAfterYearFour": { "auth_ref": [], "calculation": { "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails": { "order": 6.0, "parentTag": "us-gaap_TimeDeposits", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "TimeDepositMaturitiesAfterYearFour", "label": "TimeDepositMaturitiesAfterYearFour", "terseLabel": "Thereafter" } } }, "localname": "TimeDepositMaturitiesAfterYearFour", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "dfs_TimeDepositsFairValueDisclosure": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Time Deposits, Fair Value Disclosure", "label": "Time Deposits, Fair Value Disclosure", "terseLabel": "Time deposits" } } }, "localname": "TimeDepositsFairValueDisclosure", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "monetaryItemType" }, "dfs_TotalAmountsofLineItemsPresentedintheStatementsofIncome": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Total amounts of income and expense line items presented in the statements of income in which the effects of fair value or cash flow hedges are recorded.", "label": "Total Amounts of Line Items Presented in the Statements of Income", "terseLabel": "Total amounts of income and expense line items presented in the condensed consolidated statements of income, where the effects of fair value or cash flow hedges are recorded" } } }, "localname": "TotalAmountsofLineItemsPresentedintheStatementsofIncome", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "monetaryItemType" }, "dfs_TotalOtherLoansMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Loan portfolio including classes of loans such as personal loans, private student loans and other loans.", "label": "Total Other Loans [Member]", "terseLabel": "Total Other Loans [Member]" } } }, "localname": "TotalOtherLoansMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "dfs_TransactionProcessingRevenue": { "auth_ref": [], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 4.0, "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Revenues earned from switch fees charged to financial institutions for accessing our network to process transactions and various participation and membership fees. Switch fees are charged on a per transaction basis.", "label": "Transaction processing revenue", "terseLabel": "Transaction processing revenue" } } }, "localname": "TransactionProcessingRevenue", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "monetaryItemType" }, "dfs_VariableInterestEntitiesDisclosureAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Variable Interest Entities Disclosure [Abstract]", "label": "Variable Interest Entities Disclosure [Abstract]", "terseLabel": "Variable Interest Entities Disclosure [Abstract]" } } }, "localname": "VariableInterestEntitiesDisclosureAbstract", "nsuri": "http://www.discovercard.com/20210930", "xbrltype": "stringItemType" }, "dfs_WhenIssuedForwardContractsMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Contracts negotiated between two parties to purchase and sell a specific quantity of a to-be-announced mortgage backed securities at a price specified at origination of the contract, with delivery and settlement at a specified future date.", "label": "When-Issued Forward Contracts [Member]", "terseLabel": "When-Issued Forward Contracts [Member]" } } }, "localname": "WhenIssuedForwardContractsMember", "nsuri": "http://www.discovercard.com/20210930", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails" ], "xbrltype": "domainItemType" }, "srt_ConsolidatedEntitiesAxis": { "auth_ref": [ "r108", "r339", "r344", "r352", "r477", "r478", "r481", "r482", "r578", "r755" ], "lang": { "en-us": { "role": { "label": "Consolidated Entities [Axis]", "terseLabel": "Consolidated Entities [Axis]" } } }, "localname": "ConsolidatedEntitiesAxis", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "http://www.discovercard.com/role/LongTermBorrowingsNarrativeDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "stringItemType" }, "srt_ConsolidatedEntitiesDomain": { "auth_ref": [ "r108", "r339", "r344", "r352", "r477", "r478", "r481", "r482", "r578", "r755" ], "lang": { "en-us": { "role": { "label": "Consolidated Entities [Domain]", "terseLabel": "Consolidated Entities [Domain]" } } }, "localname": "ConsolidatedEntitiesDomain", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "http://www.discovercard.com/role/LongTermBorrowingsNarrativeDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "srt_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Consolidated Entity, Excluding Consolidated VIE [Member]", "terseLabel": "Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]" } } }, "localname": "ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "domainItemType" }, "srt_ConsolidationItemsAxis": { "auth_ref": [ "r108", "r167", "r180", "r181", "r182", "r183", "r185", "r187", "r191", "r339", "r340", "r341", "r342", "r343", "r344", "r346", "r347", "r349", "r351", "r352" ], "lang": { "en-us": { "role": { "label": "Consolidation Items [Axis]", "terseLabel": "Consolidation Items [Axis]" } } }, "localname": "ConsolidationItemsAxis", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "stringItemType" }, "srt_ConsolidationItemsDomain": { "auth_ref": [ "r108", "r167", "r180", "r181", "r182", "r183", "r185", "r187", "r191", "r339", "r340", "r341", "r342", "r343", "r344", "r346", "r347", "r349", "r351", "r352" ], "lang": { "en-us": { "role": { "label": "Consolidation Items [Domain]", "terseLabel": "Consolidation Items [Domain]" } } }, "localname": "ConsolidationItemsDomain", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember": { "auth_ref": [ "r2", "r113", "r120", "r126", "r266", "r450", "r451", "r452", "r462", "r463", "r529", "r532", "r534", "r535", "r784" ], "lang": { "en-us": { "role": { "label": "Cumulative Effect, Period of Adoption, Adjustment [Member]", "terseLabel": "Cumulative Effect, Period of Adoption, Adjustment" } } }, "localname": "CumulativeEffectPeriodOfAdoptionAdjustmentMember", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "domainItemType" }, "srt_CumulativeEffectPeriodOfAdoptionAxis": { "auth_ref": [ "r2", "r113", "r120", "r126", "r266", "r450", "r451", "r452", "r462", "r463", "r529", "r532", "r534", "r535", "r784" ], "lang": { "en-us": { "role": { "label": "Cumulative Effect, Period of Adoption [Axis]", "terseLabel": "Cumulative Effect, Period of Adoption [Axis]" } } }, "localname": "CumulativeEffectPeriodOfAdoptionAxis", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "stringItemType" }, "srt_CumulativeEffectPeriodOfAdoptionDomain": { "auth_ref": [ "r2", "r113", "r120", "r126", "r266", "r450", "r451", "r452", "r462", "r463", "r529", "r532", "r534", "r535", "r784" ], "lang": { "en-us": { "role": { "label": "Cumulative Effect, Period of Adoption [Domain]", "terseLabel": "Cumulative Effect, Period of Adoption [Domain]" } } }, "localname": "CumulativeEffectPeriodOfAdoptionDomain", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "domainItemType" }, "srt_LitigationCaseAxis": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Litigation Case [Axis]", "terseLabel": "Litigation Case [Axis]" } } }, "localname": "LitigationCaseAxis", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "stringItemType" }, "srt_LitigationCaseTypeDomain": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Litigation Case [Domain]", "terseLabel": "Litigation Case [Domain]" } } }, "localname": "LitigationCaseTypeDomain", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "domainItemType" }, "srt_MaximumMember": { "auth_ref": [ "r357", "r394", "r442", "r443", "r591", "r592", "r593", "r597", "r598", "r599", "r632", "r718", "r719", "r756", "r757" ], "lang": { "en-us": { "role": { "label": "Maximum [Member]", "terseLabel": "Maximum [Member]" } } }, "localname": "MaximumMember", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "srt_MinimumMember": { "auth_ref": [ "r357", "r394", "r442", "r443", "r591", "r592", "r593", "r597", "r598", "r599", "r632", "r718", "r719", "r756", "r757" ], "lang": { "en-us": { "role": { "label": "Minimum [Member]", "terseLabel": "Minimum [Member]" } } }, "localname": "MinimumMember", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "srt_ParentCompanyMember": { "auth_ref": [ "r108" ], "lang": { "en-us": { "role": { "label": "Parent Company [Member]", "terseLabel": "Parent Company [Member]" } } }, "localname": "ParentCompanyMember", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "srt_RangeAxis": { "auth_ref": [ "r357", "r394", "r432", "r442", "r443", "r591", "r592", "r593", "r597", "r598", "r599", "r632", "r718", "r719", "r756", "r757" ], "lang": { "en-us": { "role": { "label": "Statistical Measurement [Axis]", "terseLabel": "Statistical Measurement [Axis]" } } }, "localname": "RangeAxis", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "stringItemType" }, "srt_RangeMember": { "auth_ref": [ "r357", "r394", "r432", "r442", "r443", "r591", "r592", "r593", "r597", "r598", "r599", "r632", "r718", "r719", "r756", "r757" ], "lang": { "en-us": { "role": { "label": "Statistical Measurement [Domain]", "terseLabel": "Statistical Measurement [Domain]" } } }, "localname": "RangeMember", "nsuri": "http://fasb.org/srt/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "srt_RegulatoryCapitalRequirementsAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]", "terseLabel": "Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]" } } }, "localname": "RegulatoryCapitalRequirementsAbstract", "nsuri": "http://fasb.org/srt/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_AccountingStandardsUpdate201409Member": { "auth_ref": [ "r430" ], "lang": { "en-us": { "role": { "documentation": "Accounting Standards Update 2014-09 Revenue from Contracts with Customers (Topic 606).", "label": "Accounting Standards Update 2014-09 [Member]", "terseLabel": "Accounting Standards Update 2014-09 [Member]" } } }, "localname": "AccountingStandardsUpdate201409Member", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "domainItemType" }, "us-gaap_AccountingStandardsUpdate201613Member": { "auth_ref": [ "r262" ], "lang": { "en-us": { "role": { "documentation": "Accounting Standards Update 2016-13 Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.", "label": "Accounting Standards Update 2016-13 [Member]", "terseLabel": "Accounting Standards Update 2016-13 [Member]" } } }, "localname": "AccountingStandardsUpdate201613Member", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "domainItemType" }, "us-gaap_AccountsNotesAndLoansReceivableLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Accounts, Notes, Loans and Financing Receivable [Line Items]", "terseLabel": "Accounts, Notes, Loans and Financing Receivable [Line Items]" } } }, "localname": "AccountsNotesAndLoansReceivableLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_AccruedLiabilitiesCurrentAndNoncurrent": { "auth_ref": [ "r649", "r709" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 3.0, "parentTag": "us-gaap_Liabilities", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Carrying value as of the balance sheet date of obligations incurred and payable, pertaining to costs that are statutory in nature, are incurred on contractual obligations, or accumulate over time and for which invoices have not yet been received or will not be rendered. Examples include taxes, interest, rent and utilities.", "label": "Accrued Liabilities", "terseLabel": "Accrued expenses and other liabilities" } } }, "localname": "AccruedLiabilitiesCurrentAndNoncurrent", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember": { "auth_ref": [ "r50", "r56", "r65", "r66", "r67", "r480" ], "lang": { "en-us": { "role": { "documentation": "Accumulated other comprehensive (income) loss related to defined benefit plans attributable to the parent.", "label": "Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]", "terseLabel": "Gains (Losses) on Pension Plan, Net of Tax [Member]" } } }, "localname": "AccumulatedDefinedBenefitPlansAdjustmentMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails" ], "xbrltype": "domainItemType" }, "us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember": { "auth_ref": [ "r56", "r65", "r66", "r67", "r68", "r479" ], "lang": { "en-us": { "role": { "documentation": "Accumulated other comprehensive income (loss) from gain (loss) of derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness, attributable to parent.", "label": "Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member]", "terseLabel": "Gains (Losses) on Cash Flow Hedges, Net of Tax [Member]" } } }, "localname": "AccumulatedGainLossNetCashFlowHedgeParentMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails" ], "xbrltype": "domainItemType" }, "us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember": { "auth_ref": [ "r47", "r48", "r49", "r56", "r65", "r66", "r67" ], "lang": { "en-us": { "role": { "documentation": "Accumulated unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), attributable to parent.", "label": "AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent [Member]", "terseLabel": "Unrealized Gains (Losses) on Available-for-Sale Investment Securities, Net of Tax [Member]" } } }, "localname": "AccumulatedNetUnrealizedInvestmentGainLossMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails" ], "xbrltype": "domainItemType" }, "us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Accumulated Other Comprehensive Income (Loss) [Line Items]", "terseLabel": "Accumulated Other Comprehensive Income (Loss) [Line Items]" } } }, "localname": "AccumulatedOtherComprehensiveIncomeLossLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails" ], "xbrltype": "stringItemType" }, "us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax": { "auth_ref": [ "r21", "r53", "r55", "r56", "r703", "r727", "r731" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 5.0, "parentTag": "us-gaap_StockholdersEquity", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.", "label": "Accumulated Other Comprehensive Income (Loss), Net of Tax", "periodEndLabel": "Accumulated other comprehensive income (loss), net of tax, balance at end of period", "periodStartLabel": "Accumulated other comprehensive income (loss), net of tax, balance at beginning of period", "terseLabel": "Accumulated other comprehensive (loss) income" } } }, "localname": "AccumulatedOtherComprehensiveIncomeLossNetOfTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]", "terseLabel": "Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]" } } }, "localname": "AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_AccumulatedOtherComprehensiveIncomeLossTable": { "auth_ref": [ "r65", "r66", "r563", "r564", "r565", "r566", "r567", "r569" ], "lang": { "en-us": { "role": { "documentation": "Disclosure of information about components of accumulated other comprehensive income (loss).", "label": "Accumulated Other Comprehensive Income (Loss) [Table]", "terseLabel": "Accumulated Other Comprehensive Income (Loss) [Table]" } } }, "localname": "AccumulatedOtherComprehensiveIncomeLossTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails" ], "xbrltype": "stringItemType" }, "us-gaap_AccumulatedOtherComprehensiveIncomeMember": { "auth_ref": [ "r52", "r56", "r65", "r66", "r67", "r110", "r111", "r112", "r480", "r722", "r723", "r786" ], "lang": { "en-us": { "role": { "documentation": "Accumulated increase (decrease) in equity from transactions and other events and circumstances from non-owner sources, attributable to the parent. Excludes net income (loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners.", "label": "AOCI Attributable to Parent [Member]", "terseLabel": "Accumulated Other Comprehensive (Loss) Income [Member]", "verboseLabel": "AOCI" } } }, "localname": "AccumulatedOtherComprehensiveIncomeMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "domainItemType" }, "us-gaap_AdditionalPaidInCapital": { "auth_ref": [ "r19", "r453", "r581" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 3.0, "parentTag": "us-gaap_StockholdersEquity", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of excess of issue price over par or stated value of stock and from other transaction involving stock or stockholder. Includes, but is not limited to, additional paid-in capital (APIC) for common and preferred stock.", "label": "Additional Paid in Capital", "verboseLabel": "Additional paid-in capital" } } }, "localname": "AdditionalPaidInCapital", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_AdditionalPaidInCapitalMember": { "auth_ref": [ "r110", "r111", "r112", "r450", "r451", "r452", "r534" ], "lang": { "en-us": { "role": { "documentation": "Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders.", "label": "Additional Paid-in Capital [Member]", "terseLabel": "Additional Paid-in Capital [Member]" } } }, "localname": "AdditionalPaidInCapitalMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "domainItemType" }, "us-gaap_AdjustmentsForNewAccountingPronouncementsAxis": { "auth_ref": [ "r0", "r1", "r2", "r3", "r4", "r114", "r115", "r116", "r117", "r126", "r217", "r218", "r263", "r264", "r265", "r266", "r267", "r268", "r338", "r446", "r447", "r448", "r449", "r450", "r451", "r452", "r453", "r460", "r461", "r462", "r463", "r526", "r527", "r528", "r529", "r530", "r531", "r532", "r533", "r534", "r535", "r536", "r554", "r555", "r556", "r557", "r558", "r559", "r560", "r561", "r577", "r634", "r635", "r636", "r720", "r721", "r722", "r723", "r724", "r725", "r726", "r727", "r728", "r729", "r730", "r731", "r782", "r783", "r784", "r785", "r786" ], "lang": { "en-us": { "role": { "documentation": "Information by amendment to accounting standards.", "label": "Accounting Standards Update [Axis]", "terseLabel": "Adjustments for New Accounting Pronouncements [Axis]" } } }, "localname": "AdjustmentsForNewAccountingPronouncementsAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "stringItemType" }, "us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock": { "auth_ref": [ "r204", "r276" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of allowance for credit loss on financing receivable.", "label": "Financing Receivable, Allowance for Credit Loss [Table Text Block]", "terseLabel": "Schedule of Changes in the Allowance for Credit Losses" } } }, "localname": "AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments": { "auth_ref": [ "r260" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of investment in qualified affordable housing projects.", "label": "Amortization Method Qualified Affordable Housing Project Investments", "terseLabel": "Affordable housing project equity method investments" } } }, "localname": "AmortizationMethodQualifiedAffordableHousingProjectInvestments", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AssetImpairmentCharges": { "auth_ref": [ "r94", "r307" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of write-down of assets recognized in the income statement. Includes, but is not limited to, losses from tangible assets, intangible assets and goodwill.", "label": "Asset Impairment Charges", "terseLabel": "Impairment of assets measured at fair value on a non-recurring basis" } } }, "localname": "AssetImpairmentCharges", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AssetNotPledgedAsCollateralMember": { "auth_ref": [ "r477", "r481" ], "lang": { "en-us": { "role": { "documentation": "Asset not pledged as collateral.", "label": "Asset Not Pledged as Collateral [Member]", "terseLabel": "Asset Not Pledged as Collateral [Member]" } } }, "localname": "AssetNotPledgedAsCollateralMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_Assets": { "auth_ref": [ "r103", "r175", "r182", "r189", "r259", "r339", "r340", "r341", "r343", "r344", "r345", "r346", "r348", "r350", "r352", "r353", "r477", "r481", "r553", "r579", "r581", "r642", "r701" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": null, "parentTag": null, "root": true, "weight": null }, "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails": { "order": null, "parentTag": null, "root": true, "weight": null }, "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.", "label": "Assets", "totalLabel": "Total assets" } } }, "localname": "Assets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AssetsAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Assets [Abstract]", "terseLabel": "Assets" } } }, "localname": "AssetsAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "stringItemType" }, "us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax": { "auth_ref": [ "r225" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails": { "order": 1.0, "parentTag": "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, before tax, of unrealized gain in accumulated other comprehensive income (AOCI) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).", "label": "Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax", "terseLabel": "Available-for-sale investment securities, gross unrealized gains" } } }, "localname": "AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax": { "auth_ref": [ "r226" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails": { "order": 2.0, "parentTag": "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, before tax, of unrealized loss in accumulated other comprehensive income (AOCI) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).", "label": "Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax", "negatedTerseLabel": "Available-for-sale investment securities, gross unrealized losses" } } }, "localname": "AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis": { "auth_ref": [ "r223", "r290" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails": { "order": null, "parentTag": null, "root": true, "weight": null }, "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).", "label": "Debt Securities, Available-for-sale, Amortized Cost", "terseLabel": "Available-for-sale investment securities, amortized cost", "totalLabel": "Available-for-sale investment securities, amortized cost" } } }, "localname": "AvailableForSaleDebtSecuritiesAmortizedCostBasis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialConditionParenthetical", "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost": { "auth_ref": [ "r230" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 3.0, "parentTag": "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in sixth through tenth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10", "terseLabel": "Available-for-sale investment securities, debt maturities, after five years through ten years, amortized cost" } } }, "localname": "AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue": { "auth_ref": [ "r227", "r230", "r682" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 3.0, "parentTag": "us-gaap_AvailableForSaleSecuritiesDebtSecurities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in sixth through tenth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10", "terseLabel": "Available-for-sale investment securities, debt maturities, after five years through ten years, fair value" } } }, "localname": "AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost": { "auth_ref": [ "r229" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 2.0, "parentTag": "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in second through fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five", "terseLabel": "Available-for-sale investment securities, debt maturities, after one year through five years, amortized cost" } } }, "localname": "AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue": { "auth_ref": [ "r227", "r229", "r681" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 2.0, "parentTag": "us-gaap_AvailableForSaleSecuritiesDebtSecurities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in second through fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five", "terseLabel": "Available-for-sale investment securities, debt maturities, after one year through five years, fair value" } } }, "localname": "AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost": { "auth_ref": [ "r231" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 4.0, "parentTag": "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing after tenth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10", "terseLabel": "Available-for-sale investment securities, debt maturities, after ten years, amortized cost" } } }, "localname": "AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue": { "auth_ref": [ "r227", "r231", "r683" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 4.0, "parentTag": "us-gaap_AvailableForSaleSecuritiesDebtSecurities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing after tenth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10", "terseLabel": "Available-for-sale investment securities, debt maturities, after ten years, fair value" } } }, "localname": "AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost": { "auth_ref": [ "r228" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 1.0, "parentTag": "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One", "terseLabel": "Available-for-sale investment securities, debt maturities, one year or less, amortized cost" } } }, "localname": "AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue": { "auth_ref": [ "r227", "r228", "r680" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 1.0, "parentTag": "us-gaap_AvailableForSaleSecuritiesDebtSecurities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One", "terseLabel": "Available-for-sale investment securities, debt maturities, one year or less, fair value" } } }, "localname": "AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_AvailableForSaleSecuritiesDebtSecurities": { "auth_ref": [ "r220", "r224", "r290", "r646" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails": { "order": 3.0, "parentTag": "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis", "weight": 1.0 }, "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).", "label": "Debt Securities, Available-for-sale", "terseLabel": "Available-for-sale investment securities, fair value", "totalLabel": "Available-for-sale investment securities, fair value", "verboseLabel": "Available-for-sale investment securities, fair value" } } }, "localname": "AvailableForSaleSecuritiesDebtSecurities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialConditionParenthetical", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_BalanceSheetLocationAxis": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Information by location on balance sheet (statement of financial position).", "label": "Balance Sheet Location [Axis]", "terseLabel": "Balance Sheet Location [Axis]" } } }, "localname": "BalanceSheetLocationAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_BalanceSheetLocationDomain": { "auth_ref": [ "r497", "r503" ], "lang": { "en-us": { "role": { "documentation": "Location in the balance sheet (statement of financial position).", "label": "Balance Sheet Location [Domain]", "terseLabel": "Balance Sheet Location [Domain]" } } }, "localname": "BalanceSheetLocationDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock": { "auth_ref": [ "r109" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for the basis of presentation and significant accounting policies concepts. Basis of presentation describes the underlying basis used to prepare the financial statements (for example, US Generally Accepted Accounting Principles, Other Comprehensive Basis of Accounting, IFRS). Accounting policies describe all significant accounting policies of the reporting entity.", "label": "Basis of Presentation and Significant Accounting Policies [Text Block]", "terseLabel": "Basis of presentation" } } }, "localname": "BasisOfPresentationAndSignificantAccountingPoliciesTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/BackgroundandBasisofPresentationPolicies" ], "xbrltype": "textBlockItemType" }, "us-gaap_Capital": { "auth_ref": [ "r692" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of total capital as defined by regulatory framework.", "label": "Banking Regulation, Total Capital, Actual", "terseLabel": "Total capital to risk-weighted assets, actual amount" } } }, "localname": "Capital", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_CapitalRequiredForCapitalAdequacy": { "auth_ref": [ "r692", "r696" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of minimum total risk-based capital required for capital adequacy as defined by regulatory framework.", "label": "Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum", "terseLabel": "Total capital to risk-weighted assets, minimum capital requirements, amount" } } }, "localname": "CapitalRequiredForCapitalAdequacy", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets": { "auth_ref": [ "r692", "r696" ], "lang": { "en-us": { "role": { "documentation": "Ratio of minimum total risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework.", "label": "Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum", "terseLabel": "Total capital to risk-weighted assets, minimum capital requirements, ratio (in percent)" } } }, "localname": "CapitalRequiredForCapitalAdequacyToRiskWeightedAssets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "pureItemType" }, "us-gaap_CapitalRequiredToBeWellCapitalized": { "auth_ref": [ "r692" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of minimum total risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.", "label": "Banking Regulation, Total Risk-Based Capital, Well Capitalized, Minimum", "terseLabel": "Total capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount" } } }, "localname": "CapitalRequiredToBeWellCapitalized", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets": { "auth_ref": [ "r692" ], "lang": { "en-us": { "role": { "documentation": "Ratio of minimum total risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.", "label": "Banking Regulation, Total Risk-Based Capital Ratio, Well Capitalized, Minimum", "terseLabel": "Total capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent)" } } }, "localname": "CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "pureItemType" }, "us-gaap_CapitalToRiskWeightedAssets": { "auth_ref": [ "r692" ], "lang": { "en-us": { "role": { "documentation": "Ratio of total risk-based capital to risk-weighted assets as defined by regulatory framework.", "label": "Banking Regulation, Total Risk-Based Capital Ratio, Actual", "terseLabel": "Total capital to risk-weighted assets, actual ratio (in percent)" } } }, "localname": "CapitalToRiskWeightedAssets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "pureItemType" }, "us-gaap_CarryingReportedAmountFairValueDisclosureMember": { "auth_ref": [ "r551", "r552" ], "lang": { "en-us": { "role": { "documentation": "Measured as reported on the statement of financial position (balance sheet).", "label": "Reported Value Measurement [Member]", "terseLabel": "Carrying Value [Member]" } } }, "localname": "CarryingReportedAmountFairValueDisclosureMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "domainItemType" }, "us-gaap_CashAndCashEquivalentsAtCarryingValue": { "auth_ref": [ "r7", "r25", "r96" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 1.0, "parentTag": "us-gaap_Assets", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.", "label": "Cash and Cash Equivalents, at Carrying Value", "terseLabel": "Cash and cash equivalents" } } }, "localname": "CashAndCashEquivalentsAtCarryingValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_CashAndCashEquivalentsFairValueDisclosure": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.", "label": "Cash and Cash Equivalents, Fair Value Disclosure", "terseLabel": "Cash and cash equivalents" } } }, "localname": "CashAndCashEquivalentsFairValueDisclosure", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents": { "auth_ref": [ "r91", "r96", "r99" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of cash and cash equivalents, and cash and cash equivalents restricted to withdrawal or usage. Excludes amount for disposal group and discontinued operations. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.", "label": "Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents", "periodEndLabel": "Cash, cash equivalents and restricted cash, at the end of the period", "periodStartLabel": "Cash, cash equivalents and restricted cash, at the beginning of the period" } } }, "localname": "CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents [Abstract]", "terseLabel": "Reconciliation of cash, cash equivalents and restricted cash" } } }, "localname": "CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "stringItemType" }, "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect": { "auth_ref": [ "r91", "r562" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of increase (decrease) in cash and cash equivalents, and cash and cash equivalents restricted to withdrawal or usage; excluding effect from exchange rate change. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.", "label": "Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect", "totalLabel": "Net (decrease) increase in cash, cash equivalents and restricted cash" } } }, "localname": "CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths": { "auth_ref": [ "r523" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The estimated net amount of existing gains or losses on cash flow hedges at the reporting date expected to be reclassified to earnings within the next 12 months.", "label": "Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months", "terseLabel": "Cash flow hedge gain (loss) to be reclassified within twelve months" } } }, "localname": "CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_CashFlowHedgingMember": { "auth_ref": [ "r494" ], "lang": { "en-us": { "role": { "documentation": "Hedge of the exposure to variability in the cash flows of a recognized asset or liability, or of a forecasted transaction, that is attributable to a particular risk.", "label": "Cash Flow Hedging [Member]", "terseLabel": "Cash Flow Hedging [Member]" } } }, "localname": "CashFlowHedgingMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "domainItemType" }, "us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1": { "auth_ref": [ "r521" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of gain (loss) from the increase (decrease) in fair value of derivative and nonderivative instruments designated as fair value hedging instruments recognized in the income statement.", "label": "Change in Unrealized Gain (Loss) on Fair Value Hedging Instruments", "terseLabel": "Gains (losses) on interest rate swaps, fair value hedges" } } }, "localname": "ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1": { "auth_ref": [ "r521" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of the increase (decrease) in fair value of the hedged item in a fair value hedge recognized in the income statement.", "label": "Change in Unrealized Gain (Loss) on Hedged Item in Fair Value Hedge", "terseLabel": "Gains (losses) on hedged items, fair value hedges" } } }, "localname": "ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_ClassOfStockDomain": { "auth_ref": [ "r101", "r103", "r131", "r132", "r137", "r141", "r143", "r151", "r152", "r153", "r259", "r339", "r344", "r345", "r346", "r352", "r353", "r392", "r393", "r396", "r397", "r553", "r764" ], "lang": { "en-us": { "role": { "documentation": "Share of stock differentiated by the voting rights the holder receives. Examples include, but are not limited to, common stock, redeemable preferred stock, nonredeemable preferred stock, and convertible stock.", "label": "Class of Stock [Domain]", "terseLabel": "Class of Stock [Domain]" } } }, "localname": "ClassOfStockDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquityParenthetical", "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "domainItemType" }, "us-gaap_ClassOfStockLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Class of Stock [Line Items]", "terseLabel": "Class of Stock [Line Items]" } } }, "localname": "ClassOfStockLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "stringItemType" }, "us-gaap_CommitmentsAndContingencies": { "auth_ref": [ "r31", "r317", "r650", "r707" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 2.0, "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.", "label": "Commitments and Contingencies", "terseLabel": "Commitments, contingencies and guarantees (Notes 10, 13 and 14)" } } }, "localname": "CommitmentsAndContingencies", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_CommitmentsContingenciesAndGuaranteesTextBlock": { "auth_ref": [ "r315", "r328", "r335" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for commitments, contingencies, and guarantees.", "label": "Commitments Contingencies and Guarantees [Text Block]", "terseLabel": "Commitments, Contingencies and Guarantees" } } }, "localname": "CommitmentsContingenciesAndGuaranteesTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuarantees" ], "xbrltype": "textBlockItemType" }, "us-gaap_CommitmentsToExtendCreditMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Loan commitments are legally binding commitments to extend credit to a counterparty under certain terms and conditions.", "label": "Commitments to Extend Credit [Member]", "terseLabel": "Commitments to Extend Credit [Member]" } } }, "localname": "CommitmentsToExtendCreditMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesNarrativeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_CommonEquityTierOneCapital": { "auth_ref": [ "r692" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of Common Equity Tier 1 risk-based capital as defined by regulatory framework.", "label": "Banking Regulation, Common Equity Tier One Risk-Based Capital, Actual", "terseLabel": "CET1 capital to risk-weighted assets, actual amount" } } }, "localname": "CommonEquityTierOneCapital", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_CommonEquityTierOneCapitalRatio": { "auth_ref": [ "r692" ], "lang": { "en-us": { "role": { "documentation": "Ratio of Common Equity Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework.", "label": "Banking Regulation, Common Equity Tier One Risk-Based Capital Ratio, Actual", "terseLabel": "CET1 capital to risk-weighted assets, actual ratio (in percent)" } } }, "localname": "CommonEquityTierOneCapitalRatio", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "pureItemType" }, "us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy": { "auth_ref": [ "r692", "r696" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of minimum Common Equity Tier 1 risk-based capital required for capital adequacy as defined by regulatory framework.", "label": "Banking Regulation, Common Equity Tier One Risk-Based Capital, Capital Adequacy, Minimum", "terseLabel": "CET1 capital to risk-weighted assets, minimum capital requirements, amount" } } }, "localname": "CommonEquityTierOneCapitalRequiredForCapitalAdequacy", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized": { "auth_ref": [ "r692" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of minimum Common Equity Tier 1 risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.", "label": "Banking Regulation, Common Equity Tier One Risk-Based Capital, Well Capitalized, Minimum", "terseLabel": "CET1 capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount" } } }, "localname": "CommonEquityTierOneCapitalRequiredToBeWellCapitalized", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_CommonStockDividendsPerShareDeclared": { "auth_ref": [ "r407" ], "lang": { "en-us": { "role": { "documentation": "Aggregate dividends declared during the period for each share of common stock outstanding.", "label": "Common Stock, Dividends, Per Share, Declared", "terseLabel": "Dividends declared, common stock (dollars per share)" } } }, "localname": "CommonStockDividendsPerShareDeclared", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquityParenthetical" ], "xbrltype": "perShareItemType" }, "us-gaap_CommonStockMember": { "auth_ref": [ "r110", "r111", "r534" ], "lang": { "en-us": { "role": { "documentation": "Stock that is subordinate to all other stock of the issuer.", "label": "Common Stock [Member]", "terseLabel": "Common Stock [Member]" } } }, "localname": "CommonStockMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "domainItemType" }, "us-gaap_CommonStockParOrStatedValuePerShare": { "auth_ref": [ "r17" ], "lang": { "en-us": { "role": { "documentation": "Face amount or stated value per share of common stock.", "label": "Common Stock, Par or Stated Value Per Share", "verboseLabel": "Common Stock, Par or Stated Value Per Share" } } }, "localname": "CommonStockParOrStatedValuePerShare", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialConditionParenthetical" ], "xbrltype": "perShareItemType" }, "us-gaap_CommonStockSharesAuthorized": { "auth_ref": [ "r17" ], "lang": { "en-us": { "role": { "documentation": "The maximum number of common shares permitted to be issued by an entity's charter and bylaws.", "label": "Common Stock, Shares Authorized", "terseLabel": "Common Stock, Shares Authorized" } } }, "localname": "CommonStockSharesAuthorized", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialConditionParenthetical" ], "xbrltype": "sharesItemType" }, "us-gaap_CommonStockSharesIssued": { "auth_ref": [ "r17" ], "lang": { "en-us": { "role": { "documentation": "Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.", "label": "Common Stock, Shares, Issued", "terseLabel": "Common Stock, Shares, Issued" } } }, "localname": "CommonStockSharesIssued", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialConditionParenthetical" ], "xbrltype": "sharesItemType" }, "us-gaap_CommonStockSharesOutstanding": { "auth_ref": [ "r17", "r399" ], "lang": { "en-us": { "role": { "documentation": "Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.", "label": "Common Stock, Shares, Outstanding", "periodEndLabel": "Common stock, shares outstanding, balance at end of period (in shares)", "periodStartLabel": "Common stock, shares outstanding, balance at beginning of period (in shares)" } } }, "localname": "CommonStockSharesOutstanding", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "sharesItemType" }, "us-gaap_CommonStockValue": { "auth_ref": [ "r17", "r581" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 1.0, "parentTag": "us-gaap_StockholdersEquity", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.", "label": "Common Stock, Value, Issued", "terseLabel": "Common stock, par value $0.01 per share; 2,000,000,000 shares authorized; 568,761,125 and 567,898,063 shares issued at September\u00a030, 2021 and December\u00a031, 2020, respectively" } } }, "localname": "CommonStockValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_CommunicationsAndInformationTechnology": { "auth_ref": [ "r77" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 3.0, "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The amount of expense in the period for communications and data processing expense.", "label": "Communications and Information Technology", "terseLabel": "Information processing and communications" } } }, "localname": "CommunicationsAndInformationTechnology", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]", "verboseLabel": "Compliance with Regulatory Capital Requirements [Line Items]" } } }, "localname": "ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "stringItemType" }, "us-gaap_ComprehensiveIncomeNetOfTax": { "auth_ref": [ "r61", "r63", "r64", "r73", "r657", "r712" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.", "label": "Comprehensive Income (Loss), Net of Tax, Attributable to Parent", "totalLabel": "Comprehensive income" } } }, "localname": "ComprehensiveIncomeNetOfTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_ComprehensiveIncomeNoteTextBlock": { "auth_ref": [ "r72", "r79", "r656", "r711" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income.", "label": "Comprehensive Income (Loss) Note [Text Block]", "terseLabel": "Accumulated Other Comprehensive Income" } } }, "localname": "ComprehensiveIncomeNoteTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncome" ], "xbrltype": "textBlockItemType" }, "us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months": { "auth_ref": [ "r762" ], "calculation": { "http://www.discovercard.com/role/DepositsScheduleof100000orMoreCertificatesofDepositMaturitiesDetails": { "order": 4.0, "parentTag": "us-gaap_TimeDeposits100000OrMore", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit liabilities, including certificates of deposit, in denominations of $100,000 or more, maturing after twelve months from the balance sheet date.", "label": "Contractual Maturities, Time Deposits, $100,000 or More, after 12 Months", "terseLabel": "Over twelve months" } } }, "localname": "ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleof100000orMoreCertificatesofDepositMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months": { "auth_ref": [ "r762" ], "calculation": { "http://www.discovercard.com/role/DepositsScheduleof100000orMoreCertificatesofDepositMaturitiesDetails": { "order": 3.0, "parentTag": "us-gaap_TimeDeposits100000OrMore", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit liabilities, including certificates of deposit, in denominations of $100,000 or more, maturing within six to twelve months after the balance sheet date.", "label": "Contractual Maturities, Time Deposits, $100,000 or More, Six Months Through 12 Months", "terseLabel": "Over six months through twelve months" } } }, "localname": "ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleof100000orMoreCertificatesofDepositMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess": { "auth_ref": [ "r762" ], "calculation": { "http://www.discovercard.com/role/DepositsScheduleof100000orMoreCertificatesofDepositMaturitiesDetails": { "order": 1.0, "parentTag": "us-gaap_TimeDeposits100000OrMore", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit liabilities, including certificates of deposit, in denominations of $100,000 or more, maturing within three months or fewer from the balance sheet date.", "label": "Contractual Maturities, Time Deposits, $100,000 or More, Three Months or Less", "terseLabel": "Three months or less" } } }, "localname": "ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleof100000orMoreCertificatesofDepositMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths": { "auth_ref": [ "r762" ], "calculation": { "http://www.discovercard.com/role/DepositsScheduleof100000orMoreCertificatesofDepositMaturitiesDetails": { "order": 2.0, "parentTag": "us-gaap_TimeDeposits100000OrMore", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit liabilities, including certificates of deposit, in denominations of $100,000 or more, maturing within three to six months after the balance sheet date.", "label": "Contractual Maturities, Time Deposits, $100,000 or More, Three Months Through Six Months", "terseLabel": "Over three months through six months" } } }, "localname": "ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleof100000orMoreCertificatesofDepositMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_CorporateDebtSecuritiesMember": { "auth_ref": [ "r433", "r441", "r732" ], "lang": { "en-us": { "role": { "documentation": "Debt securities issued by domestic or foreign corporate business, banks and other entities with a promise of repayment.", "label": "Corporate Debt Securities [Member]", "terseLabel": "Corporate Debt Securities [Member]" } } }, "localname": "CorporateDebtSecuritiesMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_CreditCardReceivablesMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Amounts receivable from issuing a card to individuals or businesses that allows someone to make a purchase on borrowed money.", "label": "Credit Card Receivable [Member]", "terseLabel": "Credit Card Loans [Member]", "verboseLabel": "Credit Card Loans [Member]" } } }, "localname": "CreditCardReceivablesMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails", "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "us-gaap_CreditQualityInformationAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Credit Quality Information [Abstract]", "terseLabel": "Credit Quality Information [Abstract]" } } }, "localname": "CreditQualityInformationAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_CreditScoreFicoAxis": { "auth_ref": [ "r282", "r287" ], "lang": { "en-us": { "role": { "documentation": "Information by credit scores as defined by Fair Isaac Corporation (FICO), for example, but not limited to, greater than 740.", "label": "Credit Score, FICO [Axis]", "terseLabel": "Credit Score, FICO [Axis]" } } }, "localname": "CreditScoreFicoAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "stringItemType" }, "us-gaap_CreditScoreFicoDomain": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Credit rating as defined by Fair Isaac Corporation (FICO), for example, but not limited to, greater than 740. Element name and standard label in FICO Score [numeric lower end] to [numeric higher end] [Member] format for ranges. Element name and standard label in FICO Score Greater Than [low end numeric value] [Member] or FICO Score Less Than [high end numeric value] [Member] formats for greater than or less than disclosures.", "label": "Credit Score, FICO [Domain]", "terseLabel": "Credit Score, FICO [Domain]" } } }, "localname": "CreditScoreFicoDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails" ], "xbrltype": "domainItemType" }, "us-gaap_DebtDisclosureAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Debt Disclosure [Abstract]", "terseLabel": "Debt Disclosure [Abstract]" } } }, "localname": "DebtDisclosureAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_DebtDisclosureTextBlock": { "auth_ref": [ "r100", "r360", "r361", "r362", "r363", "r364", "r365", "r366", "r371", "r378", "r379", "r381", "r386" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.", "label": "Debt Disclosure [Text Block]", "terseLabel": "Long-Term Borrowings" } } }, "localname": "DebtDisclosureTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowings" ], "xbrltype": "textBlockItemType" }, "us-gaap_DebtInstrumentAxis": { "auth_ref": [ "r12", "r13", "r14", "r102", "r108", "r354", "r355", "r356", "r357", "r358", "r359", "r361", "r367", "r368", "r369", "r370", "r372", "r373", "r374", "r375", "r376", "r377", "r382", "r383", "r384", "r385", "r574", "r643", "r644", "r699" ], "lang": { "en-us": { "role": { "documentation": "Information by type of debt instrument, including, but not limited to, draws against credit facilities.", "label": "Debt Instrument [Axis]", "terseLabel": "Debt Instrument [Axis]" } } }, "localname": "DebtInstrumentAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DebtInstrumentBasisSpreadOnVariableRate1": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Percentage points added to the reference rate to compute the variable rate on the debt instrument.", "label": "Debt Instrument, Basis Spread on Variable Rate", "terseLabel": "Basis spread on variable rate" } } }, "localname": "DebtInstrumentBasisSpreadOnVariableRate1", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "percentItemType" }, "us-gaap_DebtInstrumentInterestRateStatedPercentage": { "auth_ref": [ "r29", "r355" ], "lang": { "en-us": { "role": { "documentation": "Contractual interest rate for funds borrowed, under the debt agreement.", "label": "Debt Instrument, Interest Rate, Stated Percentage", "terseLabel": "Interest rate" } } }, "localname": "DebtInstrumentInterestRateStatedPercentage", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "percentItemType" }, "us-gaap_DebtInstrumentInterestRateTerms": { "auth_ref": [ "r29" ], "lang": { "en-us": { "role": { "documentation": "Description of the interest rate as being fixed or variable, and, if variable, identification of the index or rate on which the interest rate is based and the number of points or percentage added to that index or rate to set the rate, and other pertinent information, such as frequency of rate resets.", "label": "Debt Instrument, Interest Rate Terms", "terseLabel": "Interest rate terms" } } }, "localname": "DebtInstrumentInterestRateTerms", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DebtInstrumentLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Debt Instrument [Line Items]", "terseLabel": "Debt Instrument [Line Items]" } } }, "localname": "DebtInstrumentLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsNarrativeDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DebtInstrumentNameDomain": { "auth_ref": [ "r30", "r102", "r108", "r354", "r355", "r356", "r357", "r358", "r359", "r361", "r367", "r368", "r369", "r370", "r372", "r373", "r374", "r375", "r376", "r377", "r382", "r383", "r384", "r385", "r574" ], "lang": { "en-us": { "role": { "documentation": "The name for the particular debt instrument or borrowing that distinguishes it from other debt instruments or borrowings, including draws against credit facilities.", "label": "Debt Instrument, Name [Domain]", "terseLabel": "Debt Instrument, Name [Domain]" } } }, "localname": "DebtInstrumentNameDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_DebtInstrumentTable": { "auth_ref": [ "r30", "r102", "r108", "r354", "r355", "r356", "r357", "r358", "r359", "r361", "r367", "r368", "r369", "r370", "r372", "r373", "r374", "r375", "r376", "r377", "r380", "r382", "r383", "r384", "r385", "r400", "r404", "r405", "r406", "r571", "r572", "r574", "r575", "r688" ], "lang": { "en-us": { "role": { "documentation": "A table or schedule providing information pertaining to long-term debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the company, if longer.", "label": "Schedule of Long-term Debt Instruments [Table]", "terseLabel": "Schedule of Long-term Debt Instruments [Table]" } } }, "localname": "DebtInstrumentTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsNarrativeDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss": { "auth_ref": [ "r250", "r293" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for 12 months or longer, without allowance for credit loss. Includes beneficial interest in securitized financial asset.", "label": "Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss", "negatedTerseLabel": "Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss" } } }, "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months": { "auth_ref": [ "r250", "r293", "r296" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for less than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset.", "label": "Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months", "terseLabel": "Available-for-sale investment securities, continuous unrealized loss position, less than 12 months, fair value" } } }, "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss": { "auth_ref": [ "r251" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of realized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).", "label": "Debt Securities, Available-for-sale, Realized Gain (Loss)", "terseLabel": "Recognized gains (losses) on available-for-sale securities" } } }, "localname": "DebtSecuritiesAvailableForSaleRealizedGainLoss", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions": { "auth_ref": [ "r249", "r291" ], "lang": { "en-us": { "role": { "documentation": "Number of investments in debt securities measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position, without allowance for credit loss. Includes beneficial interest in securitized financial asset.", "label": "Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions", "terseLabel": "Available-for-sale investment securities, continuous unrealized loss position, number of securities" } } }, "localname": "DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "integerItemType" }, "us-gaap_DeferredIncomeTaxExpenseBenefit": { "auth_ref": [ "r94", "r104", "r459", "r466", "r467", "r468" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 3.0, "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.", "label": "Deferred Income Tax Expense (Benefit)", "terseLabel": "Deferred income taxes" } } }, "localname": "DeferredIncomeTaxExpenseBenefit", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_DepositLiabilitiesDisclosuresTextBlock": { "auth_ref": [ "r648", "r687", "r779", "r780" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.", "label": "Deposit Liabilities Disclosures [Text Block]", "verboseLabel": "Deposits" } } }, "localname": "DepositLiabilitiesDisclosuresTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/Deposits" ], "xbrltype": "textBlockItemType" }, "us-gaap_Deposits": { "auth_ref": [ "r648" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 1.0, "parentTag": "us-gaap_Liabilities", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.", "label": "Deposits", "totalLabel": "Total deposits" } } }, "localname": "Deposits", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_DepositsAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Deposits [Abstract]", "terseLabel": "Deposits" } } }, "localname": "DepositsAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "stringItemType" }, "us-gaap_DepositsMember": { "auth_ref": [ "r673" ], "lang": { "en-us": { "role": { "documentation": "Amounts held on account by the entity representing a liability to the depositor. Deposits may take various forms (for example, demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits) and may be categorized in multiple ways (such as, foreign and domestic, interest and noninterest bearing).", "label": "Deposits [Member]", "terseLabel": "Deposits [Member]" } } }, "localname": "DepositsMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_DepositsSavingsDeposits": { "auth_ref": [ "r648" ], "calculation": { "http://www.discovercard.com/role/DepositsScheduleofInterestBearingDepositAccountsDetails": { "order": 3.0, "parentTag": "us-gaap_InterestBearingDepositLiabilities", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).", "label": "Deposits, Savings Deposits", "terseLabel": "Savings deposits, including money market deposit accounts" } } }, "localname": "DepositsSavingsDeposits", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleofInterestBearingDepositAccountsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DerivativeAmountOfHedgedItem": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Amount of hedged item in hedging relationship. Excludes hedged asset or liability.", "label": "Derivative, Amount of Hedged Item", "terseLabel": "Carrying amount of hedged assets/liabilities" } } }, "localname": "DerivativeAmountOfHedgedItem", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesDerivativesandHedgingActivitiesScheduleofHedgedItemsinaFairValueHedgingRelationshipDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DerivativeAssets": { "auth_ref": [ "r38", "r40", "r43", "r550" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.", "label": "Derivative Asset", "terseLabel": "Derivative asset" } } }, "localname": "DerivativeAssets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DerivativeCollateralObligationToReturnCash": { "auth_ref": [ "r39", "r41", "r42", "r517" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of obligation to return cash collateral under master netting arrangements that have not been offset against derivative assets.", "label": "Derivative, Collateral, Obligation to Return Cash", "negatedTerseLabel": "Collateral held, derivative assets" } } }, "localname": "DerivativeCollateralObligationToReturnCash", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DerivativeCollateralRightToReclaimSecurities": { "auth_ref": [ "r39", "r41", "r42" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of right to receive securities collateral under master netting arrangements that have not been offset against derivative liabilities.", "label": "Derivative, Collateral, Right to Reclaim Securities", "terseLabel": "Derivative collateral" } } }, "localname": "DerivativeCollateralRightToReclaimSecurities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DerivativeContractTypeDomain": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Financial instrument or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset.", "label": "Derivative Contract [Domain]", "terseLabel": "Derivative Contract [Domain]" } } }, "localname": "DerivativeContractTypeDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "domainItemType" }, "us-gaap_DerivativeFairValueOfDerivativeAsset": { "auth_ref": [ "r37", "r43", "r44", "r501", "r602" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value, before effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets elected not to be offset. Excludes assets not subject to a master netting arrangement.", "label": "Derivative Asset, Fair Value, Gross Asset", "terseLabel": "Derivative assets" } } }, "localname": "DerivativeFairValueOfDerivativeAsset", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral": { "auth_ref": [ "r41", "r516" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value, after effects of master netting arrangements, of financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset offset against an obligation to return collateral. Includes assets not subject to a master netting arrangement and not elected to be offset.", "label": "Derivative Asset, Fair Value, Amount Offset Against Collateral", "terseLabel": "Total net derivative assets" } } }, "localname": "DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DerivativeFairValueOfDerivativeLiability": { "auth_ref": [ "r37", "r43", "r44", "r501", "r602" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Fair value, before effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities elected not to be offset. Excludes liabilities not subject to a master netting arrangement.", "label": "Derivative Liability, Fair Value, Gross Liability", "terseLabel": "Derivative liabilities" } } }, "localname": "DerivativeFairValueOfDerivativeLiability", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral": { "auth_ref": [ "r41", "r516" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Fair value, after effects of master netting arrangements, of financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset offset against the right to receive collateral. Includes liabilities not subject to a master netting arrangement and not elected to be offset.", "label": "Derivative Liability, Fair Value, Amount Offset Against Collateral", "terseLabel": "Total net derivative liabilities" } } }, "localname": "DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DerivativeGainLossOnDerivativeNet": { "auth_ref": [ "r499" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of increase (decrease) in the fair value of derivatives recognized in the income statement.", "label": "Derivative, Gain (Loss) on Derivative, Net", "terseLabel": "Gains (losses) on derivatives not designated as hedges" } } }, "localname": "DerivativeGainLossOnDerivativeNet", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DerivativeInstrumentRiskAxis": { "auth_ref": [ "r43", "r498", "r502", "r508", "r511" ], "lang": { "en-us": { "role": { "documentation": "Information by type of derivative contract.", "label": "Derivative Instrument [Axis]", "terseLabel": "Derivative Instrument [Axis]" } } }, "localname": "DerivativeInstrumentRiskAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Derivative Instruments and Hedging Activities Disclosure [Abstract]", "terseLabel": "Derivative Instruments and Hedging Activities Disclosure [Abstract]" } } }, "localname": "DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock": { "auth_ref": [ "r525", "r537" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.", "label": "Derivative Instruments and Hedging Activities Disclosure [Text Block]", "terseLabel": "Derivatives and Hedging Activities" } } }, "localname": "DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivities" ], "xbrltype": "textBlockItemType" }, "us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis": { "auth_ref": [ "r495", "r498", "r508" ], "lang": { "en-us": { "role": { "documentation": "Information by type of hedging relationship.", "label": "Hedging Relationship [Axis]", "terseLabel": "Hedging Relationship [Axis]" } } }, "localname": "DerivativeInstrumentsGainLossByHedgingRelationshipAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable": { "auth_ref": [ "r495", "r498", "r508", "r511", "r512", "r519", "r522" ], "lang": { "en-us": { "role": { "documentation": "Disclosure of information about the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments.", "label": "Derivative Instruments, Gain (Loss) [Table]", "terseLabel": "Derivative Instruments, Gain (Loss) by Hedging Relationship, by Income Statement Location, by Derivative Instrument Risk [Table]" } } }, "localname": "DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DerivativeInstrumentsGainLossLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Derivative Instruments, Gain (Loss) [Line Items]", "terseLabel": "Derivative Instruments, Gain (Loss) [Line Items]" } } }, "localname": "DerivativeInstrumentsGainLossLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DerivativeLiabilities": { "auth_ref": [ "r38", "r40", "r43", "r550" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.", "label": "Derivative Liability", "terseLabel": "Derivative financial instruments, liabilities, fair value" } } }, "localname": "DerivativeLiabilities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DerivativeLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Derivative [Line Items]", "terseLabel": "Derivative [Line Items]" } } }, "localname": "DerivativeLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DerivativeNotionalAmount": { "auth_ref": [ "r490", "r492" ], "lang": { "en-us": { "role": { "documentation": "Nominal or face amount used to calculate payment on derivative.", "label": "Derivative, Notional Amount", "terseLabel": "Derivative, notional amount" } } }, "localname": "DerivativeNotionalAmount", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_DerivativeNumberOfInstrumentsHeld": { "auth_ref": [ "r490", "r492" ], "lang": { "en-us": { "role": { "documentation": "The number of derivative instruments of a particular group held by the entity.", "label": "Derivative, Number of Instruments Held", "terseLabel": "Derivative, number of outstanding derivative contracts (in transactions)", "verboseLabel": "Derivative, number of outstanding derivative contracts (in transactions)" } } }, "localname": "DerivativeNumberOfInstrumentsHeld", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails" ], "xbrltype": "integerItemType" }, "us-gaap_DerivativeTable": { "auth_ref": [ "r489", "r491", "r492", "r495", "r496", "r504", "r508", "r515", "r518", "r522", "r525" ], "lang": { "en-us": { "role": { "documentation": "Schedule that describes and identifies a derivative or group of derivatives on a disaggregated basis, such as for individual instruments, or small groups of similar instruments. May include a combination of the type of instrument, risks being hedged, notional amount, hedge designation, related hedged item, inception date, maturity date, or other relevant item.", "label": "Derivative [Table]", "terseLabel": "Schedule of Derivatives [Table]" } } }, "localname": "DerivativeTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DerivativesFairValueLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Derivatives, Fair Value [Line Items]", "terseLabel": "Derivatives, Fair Value [Line Items]" } } }, "localname": "DerivativesFairValueLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DesignatedAsHedgingInstrumentMember": { "auth_ref": [ "r495" ], "lang": { "en-us": { "role": { "documentation": "Derivative instrument designated as hedging instrument under Generally Accepted Accounting Principles (GAAP).", "label": "Designated as Hedging Instrument [Member]", "terseLabel": "Designated as Hedges [Member]" } } }, "localname": "DesignatedAsHedgingInstrumentMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_DisaggregationOfRevenueLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Disaggregation of Revenue [Line Items]", "terseLabel": "Disaggregation of Revenue [Line Items]" } } }, "localname": "DisaggregationOfRevenueLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DisaggregationOfRevenueTable": { "auth_ref": [ "r421", "r423", "r424", "r425", "r426", "r427", "r428", "r429" ], "lang": { "en-us": { "role": { "documentation": "Disclosure of information about disaggregation of revenue into categories depicting how nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factor.", "label": "Disaggregation of Revenue [Table]", "terseLabel": "Disaggregation of Revenue [Table]" } } }, "localname": "DisaggregationOfRevenueTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "stringItemType" }, "us-gaap_DisaggregationOfRevenueTableTextBlock": { "auth_ref": [ "r421" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of disaggregation of revenue into categories depicting how nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factor.", "label": "Disaggregation of Revenue [Table Text Block]", "terseLabel": "Schedule of Revenue from Contracts with Customers Disaggregated by Business Segment" } } }, "localname": "DisaggregationOfRevenueTableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/RevenuefromContractswithCustomersTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_DividendsCommonStock": { "auth_ref": [ "r407", "r686" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of paid and unpaid common stock dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK).", "label": "Dividends, Common Stock", "negatedTerseLabel": "Dividends \u2014 common stock" } } }, "localname": "DividendsCommonStock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "monetaryItemType" }, "us-gaap_DividendsPreferredStock": { "auth_ref": [ "r407", "r686" ], "calculation": { "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails": { "order": 2.0, "parentTag": "dfs_NetIncomeLossAvailableToCommonStockholdersInclParticipatingSecurities", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK).", "label": "Dividends, Preferred Stock", "negatedLabel": "Dividends \u2014 preferred stock", "negatedTerseLabel": "Preferred stock dividends" } } }, "localname": "DividendsPreferredStock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_EarningsPerShareAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Earnings Per Share [Abstract]", "terseLabel": "Earnings Per Share [Abstract]" } } }, "localname": "EarningsPerShareAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_EarningsPerShareBasic": { "auth_ref": [ "r74", "r118", "r119", "r120", "r121", "r122", "r128", "r131", "r141", "r142", "r143", "r147", "r148", "r535", "r536", "r658", "r713" ], "lang": { "en-us": { "role": { "documentation": "The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.", "label": "Earnings Per Share, Basic", "terseLabel": "Basic earnings per common share (in dollars per share)", "verboseLabel": "Basic earnings per common share" } } }, "localname": "EarningsPerShareBasic", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "perShareItemType" }, "us-gaap_EarningsPerShareDiluted": { "auth_ref": [ "r74", "r118", "r119", "r120", "r121", "r122", "r131", "r141", "r142", "r143", "r147", "r148", "r535", "r536", "r658", "r713" ], "lang": { "en-us": { "role": { "documentation": "The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.", "label": "Earnings Per Share, Diluted", "terseLabel": "Diluted earnings per common share (in dollars per share)", "verboseLabel": "Diluted earnings per common share" } } }, "localname": "EarningsPerShareDiluted", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "perShareItemType" }, "us-gaap_EarningsPerShareReconciliationAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Earnings Per Share Reconciliation [Abstract]", "terseLabel": "Numerator:" } } }, "localname": "EarningsPerShareReconciliationAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "stringItemType" }, "us-gaap_EarningsPerShareTextBlock": { "auth_ref": [ "r144", "r145", "r146", "r149" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for earnings per share.", "label": "Earnings Per Share [Text Block]", "terseLabel": "Earnings Per Share" } } }, "localname": "EarningsPerShareTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/EarningsPerShare" ], "xbrltype": "textBlockItemType" }, "us-gaap_EffectiveIncomeTaxRateContinuingOperations": { "auth_ref": [ "r455" ], "lang": { "en-us": { "role": { "documentation": "Percentage of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.", "label": "Effective Income Tax Rate Reconciliation, Percent", "terseLabel": "Effective income tax rate (in percent)" } } }, "localname": "EffectiveIncomeTaxRateContinuingOperations", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/IncomeTaxesScheduleofEffectiveIncomeTaxRateCalculationDetails" ], "xbrltype": "percentItemType" }, "us-gaap_EquityAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Equity [Abstract]", "terseLabel": "Equity [Abstract]" } } }, "localname": "EquityAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_EquityComponentDomain": { "auth_ref": [ "r2", "r65", "r66", "r67", "r110", "r111", "r112", "r115", "r123", "r125", "r150", "r266", "r399", "r407", "r450", "r451", "r452", "r462", "r463", "r534", "r563", "r564", "r565", "r566", "r567", "r569", "r722", "r723", "r724", "r786" ], "lang": { "en-us": { "role": { "documentation": "Components of equity are the parts of the total Equity balance including that which is allocated to common, preferred, treasury stock, retained earnings, etc.", "label": "Equity Component [Domain]", "terseLabel": "Equity Component [Domain]" } } }, "localname": "EquityComponentDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "domainItemType" }, "us-gaap_EquityMethodInvestments": { "auth_ref": [ "r26", "r176", "r258" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "This item represents the carrying amount on the entity's balance sheet of its investment in common stock of an equity method investee. This is not an indicator of the fair value of the investment, rather it is the initial cost adjusted for the entity's share of earnings and losses of the investee, adjusted for any distributions (dividends) and other than temporary impairment (OTTI) losses recognized.", "label": "Equity Method Investments", "terseLabel": "Equity method investments" } } }, "localname": "EquityMethodInvestments", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_EquitySecuritiesFvNi": { "auth_ref": [ "r548" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI), classified as current.", "label": "Equity Securities, FV-NI, Current", "terseLabel": "Fair value of marketable equity securities" } } }, "localname": "EquitySecuritiesFvNi", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_EquitySecuritiesFvNiRealizedGainLoss": { "auth_ref": [ "r257", "r714" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 6.0, "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of realized gain (loss) from sale of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).", "label": "Equity Securities, FV-NI, Realized Gain (Loss)", "terseLabel": "Realized gains on equity investments" } } }, "localname": "EquitySecuritiesFvNiRealizedGainLoss", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss": { "auth_ref": [ "r257", "r714" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 5.0, "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of unrealized gain (loss) on investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).", "label": "Equity Securities, FV-NI, Unrealized Gain (Loss)", "terseLabel": "Unrealized (losses) gains on equity investments" } } }, "localname": "EquitySecuritiesFvNiUnrealizedGainLoss", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/InvestmentsNarrativeDetails", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount": { "auth_ref": [ "r254" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of investment in equity security without readily determinable fair value.", "label": "Equity Securities without Readily Determinable Fair Value, Amount", "terseLabel": "Equity securities without readily determinable fair value" } } }, "localname": "EquitySecuritiesWithoutReadilyDeterminableFairValueAmount", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_EstimateOfFairValueFairValueDisclosureMember": { "auth_ref": [ "r369", "r382", "r383", "r550" ], "lang": { "en-us": { "role": { "documentation": "Measured as an estimate of fair value.", "label": "Estimate of Fair Value Measurement [Member]", "terseLabel": "Estimated Fair Value [Member]" } } }, "localname": "EstimateOfFairValueFairValueDisclosureMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]", "terseLabel": "Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]" } } }, "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable": { "auth_ref": [ "r538", "r539", "r540", "r545" ], "lang": { "en-us": { "role": { "documentation": "Disclosure of information about asset and liability measured at fair value on recurring and nonrecurring basis.", "label": "Fair Value, Recurring and Nonrecurring [Table]", "terseLabel": "Fair Value, Recurring and Nonrecurring [Table]" } } }, "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]", "terseLabel": "Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]" } } }, "localname": "FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FairValueByBalanceSheetGroupingTable": { "auth_ref": [ "r538", "r551", "r552" ], "lang": { "en-us": { "role": { "documentation": "Disclosure of information about the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.", "label": "Fair Value, by Balance Sheet Grouping [Table]", "terseLabel": "Fair Value, by Balance Sheet Grouping [Table]" } } }, "localname": "FairValueByBalanceSheetGroupingTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FairValueByBalanceSheetGroupingTextBlock": { "auth_ref": [ "r538", "r551" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.", "label": "Fair Value, by Balance Sheet Grouping [Table Text Block]", "terseLabel": "Schedule of Financial Instruments Measured at Other Than Fair Value" } } }, "localname": "FairValueByBalanceSheetGroupingTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_FairValueByFairValueHierarchyLevelAxis": { "auth_ref": [ "r369", "r382", "r383", "r433", "r434", "r435", "r436", "r437", "r438", "r439", "r441", "r539", "r587", "r588", "r589" ], "lang": { "en-us": { "role": { "documentation": "Information by level within fair value hierarchy and fair value measured at net asset value per share as practical expedient.", "label": "Fair Value Hierarchy and NAV [Axis]", "terseLabel": "Fair Value Hierarchy and NAV [Axis]" } } }, "localname": "FairValueByFairValueHierarchyLevelAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FairValueByMeasurementBasisAxis": { "auth_ref": [ "r369", "r382", "r383", "r538", "r546" ], "lang": { "en-us": { "role": { "documentation": "Information by measurement basis.", "label": "Measurement Basis [Axis]", "terseLabel": "Measurement Basis [Axis]" } } }, "localname": "FairValueByMeasurementBasisAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FairValueByMeasurementFrequencyAxis": { "auth_ref": [ "r538", "r539", "r541", "r542", "r547" ], "lang": { "en-us": { "role": { "documentation": "Information by measurement frequency.", "label": "Measurement Frequency [Axis]", "terseLabel": "Measurement Frequency [Axis]" } } }, "localname": "FairValueByMeasurementFrequencyAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FairValueDisclosureItemAmountsDomain": { "auth_ref": [ "r369", "r382", "r383" ], "lang": { "en-us": { "role": { "documentation": "Measurement basis, for example, but not limited to, reported value, fair value, portion at fair value, portion at other than fair value.", "label": "Fair Value Measurement [Domain]", "terseLabel": "Fair Value Measurement [Domain]" } } }, "localname": "FairValueDisclosureItemAmountsDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability": { "auth_ref": [ "r550" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The fair value of financial liabilities, which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.", "label": "Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability", "terseLabel": "Unused commitments to extend credit for loans" } } }, "localname": "FairValueDisclosureOffbalanceSheetRisksAmountLiability", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FairValueDisclosuresAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Fair Value Disclosures [Abstract]", "terseLabel": "Fair Value Disclosures [Abstract]" } } }, "localname": "FairValueDisclosuresAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_FairValueDisclosuresTextBlock": { "auth_ref": [ "r544" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.", "label": "Fair Value Disclosures [Text Block]", "terseLabel": "Fair Value Measurements" } } }, "localname": "FairValueDisclosuresTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurements" ], "xbrltype": "textBlockItemType" }, "us-gaap_FairValueHedgingMember": { "auth_ref": [ "r493" ], "lang": { "en-us": { "role": { "documentation": "A hedge of the exposure to changes in the fair value of a recognized asset or liability, or of an unrecognized firm commitment, that are attributable to a particular risk.", "label": "Fair Value Hedging [Member]", "terseLabel": "Fair Value Hedging [Member]" } } }, "localname": "FairValueHedgingMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FairValueInputsLevel1Member": { "auth_ref": [ "r369", "r433", "r434", "r439", "r441", "r539", "r587" ], "lang": { "en-us": { "role": { "documentation": "Quoted prices in active markets for identical assets or liabilities that the reporting entity can access at the measurement date.", "label": "Fair Value, Inputs, Level 1 [Member]", "terseLabel": "Level 1 [Member]" } } }, "localname": "FairValueInputsLevel1Member", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FairValueInputsLevel2Member": { "auth_ref": [ "r369", "r382", "r383", "r433", "r434", "r439", "r441", "r539", "r588" ], "lang": { "en-us": { "role": { "documentation": "Inputs other than quoted prices included within level 1 that are observable for an asset or liability, either directly or indirectly, including, but not limited to, quoted prices for similar assets or liabilities in active markets, or quoted prices for identical or similar assets or liabilities in inactive markets.", "label": "Fair Value, Inputs, Level 2 [Member]", "terseLabel": "Level 2 [Member]" } } }, "localname": "FairValueInputsLevel2Member", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FairValueInputsLevel3Member": { "auth_ref": [ "r369", "r382", "r383", "r433", "r434", "r435", "r436", "r437", "r438", "r439", "r441", "r539", "r589" ], "lang": { "en-us": { "role": { "documentation": "Unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing.", "label": "Fair Value, Inputs, Level 3 [Member]", "terseLabel": "Level 3 [Member]" } } }, "localname": "FairValueInputsLevel3Member", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FairValueMeasurementFrequencyDomain": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Measurement frequency.", "label": "Measurement Frequency [Domain]", "terseLabel": "Measurement Frequency [Domain]" } } }, "localname": "FairValueMeasurementFrequencyDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FairValueMeasurementsFairValueHierarchyDomain": { "auth_ref": [ "r369", "r382", "r383", "r433", "r434", "r435", "r436", "r437", "r438", "r439", "r441", "r587", "r588", "r589" ], "lang": { "en-us": { "role": { "documentation": "Categories used to prioritize the inputs to valuation techniques to measure fair value.", "label": "Fair Value Hierarchy and NAV [Domain]", "terseLabel": "Fair Value, Measurements, Fair Value Hierarchy [Domain]", "verboseLabel": "Fair Value, Measurements, Fair Value Hierarchy [Domain]" } } }, "localname": "FairValueMeasurementsFairValueHierarchyDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FairValueMeasurementsNonrecurringMember": { "auth_ref": [ "r538", "r539", "r541", "r542", "r543", "r547" ], "lang": { "en-us": { "role": { "documentation": "Infrequent fair value measurement. Includes, but is not limited to, fair value adjustment for impairment of asset, liability or equity, not frequently measured at fair value.", "label": "Fair Value, Nonrecurring [Member]", "terseLabel": "Fair Value, Nonrecurring [Member]" } } }, "localname": "FairValueMeasurementsNonrecurringMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FairValueMeasurementsRecurringMember": { "auth_ref": [ "r544", "r547" ], "lang": { "en-us": { "role": { "documentation": "Frequent fair value measurement. Includes, but is not limited to, fair value adjustment for impairment of asset, liability or equity, frequently measured at fair value.", "label": "Fair Value, Recurring [Member]", "terseLabel": "Fair Value, Recurring [Member]" } } }, "localname": "FairValueMeasurementsRecurringMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable": { "auth_ref": [ "r497", "r504", "r519" ], "lang": { "en-us": { "role": { "documentation": "Schedule that discloses the location and fair value amounts of derivative instruments (and nonderivative instruments that are designated and qualify as hedging instruments) reported in the statement of financial position.", "label": "Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]", "terseLabel": "Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]" } } }, "localname": "FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FinanceReceivablesMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Amounts due the Company from customers, clients, lessees, borrowers, or others under the terms of its agreements therewith. Such amount may include accrued interest receivable in accordance with the terms of the agreements. The agreements also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among myriad other features and characteristics.", "label": "Financing Receivable [Member]", "terseLabel": "Financing Receivable [Member]" } } }, "localname": "FinanceReceivablesMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FinancialAssetPastDueMember": { "auth_ref": [ "r214", "r277", "r289" ], "lang": { "en-us": { "role": { "documentation": "Financial asset past due.", "label": "Financial Asset, Past Due [Member]", "terseLabel": "Financial Asset, Past Due" } } }, "localname": "FinancialAssetPastDueMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FinancialInstrumentAxis": { "auth_ref": [ "r240", "r244", "r254", "r255", "r256", "r270", "r276", "r277", "r280", "r282", "r292", "r294", "r295", "r296", "r380", "r398", "r525", "r584", "r585", "r586", "r587", "r588", "r589", "r591", "r592", "r593", "r597", "r598", "r599", "r600", "r604", "r607", "r613", "r614", "r615", "r616", "r619", "r620", "r621", "r622", "r623", "r624", "r625", "r626", "r628", "r629", "r630", "r764", "r765", "r766", "r767", "r768", "r769", "r770" ], "lang": { "en-us": { "role": { "documentation": "Information by type of financial instrument.", "label": "Financial Instrument [Axis]", "terseLabel": "Financial Instrument [Axis]" } } }, "localname": "FinancialInstrumentAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesNarrativeDetails", "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails", "http://www.discovercard.com/role/InvestmentsNarrativeDetails", "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails", "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery": { "auth_ref": [ "r276", "r288", "r777" ], "calculation": { "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, after recovery, of writeoff of financing receivable, charged against allowance for credit loss.", "label": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery", "negatedTotalLabel": "Net charge-offs" } } }, "localname": "FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableAllowanceForCreditLosses": { "auth_ref": [ "r200", "r269", "r271", "r275", "r647", "r774", "r776", "r778" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 2.0, "parentTag": "us-gaap_NotesReceivableNet", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.", "label": "Financing Receivable, Allowance for Credit Loss", "negatedLabel": "Allowance for credit losses", "negatedTerseLabel": "Allowance for credit losses allocated to securitized loan receivables", "periodEndLabel": "Allowance for credit losses, balance at end of period", "periodStartLabel": "Allowance for credit losses, balance at beginning of period", "terseLabel": "Allowance for credit losses" } } }, "localname": "FinancingReceivableAllowanceForCreditLosses", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Financing Receivable, Allowance for Credit Loss [Line Items]", "terseLabel": "Financing Receivable, Allowance for Credit Loss [Line Items]" } } }, "localname": "FinancingReceivableAllowanceForCreditLossesLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease": { "auth_ref": [ "r199", "r276" ], "lang": { "en-us": { "role": { "documentation": "Amount of increase (decrease) in allowance for credit loss on financing receivable.", "label": "Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)", "terseLabel": "Allowance for credit losses, period increase (decrease)" } } }, "localname": "FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery": { "auth_ref": [ "r203", "r274", "r288" ], "calculation": { "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails": { "order": 2.0, "parentTag": "us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of increase in allowance for credit loss on financing receivable from recovery.", "label": "Financing Receivable, Allowance for Credit Loss, Recovery", "terseLabel": "Recoveries" } } }, "localname": "FinancingReceivableAllowanceForCreditLossesRecovery", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.", "label": "Financing Receivable, Allowance for Credit Loss [Roll Forward]", "terseLabel": "Financing Receivable, Allowance for Credit Loss [Roll Forward]" } } }, "localname": "FinancingReceivableAllowanceForCreditLossesRollForward", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs": { "auth_ref": [ "r202", "r273", "r288" ], "calculation": { "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails": { "order": 1.0, "parentTag": "us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of writeoff of financing receivable, charged against allowance for credit loss.", "label": "Financing Receivable, Allowance for Credit Loss, Writeoff", "negatedLabel": "Charge-offs" } } }, "localname": "FinancingReceivableAllowanceForCreditLossesWriteOffs", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock": { "auth_ref": [ "r205", "r282" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.", "label": "Financing Receivable Credit Quality Indicators [Table Text Block]", "terseLabel": "Schedule of Credit Risk Profile by FICO Score and Origination Year" } } }, "localname": "FinancingReceivableCreditQualityIndicatorsTableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_FinancingReceivableModificationsLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Financing Receivable, Troubled Debt Restructuring [Line Items]", "terseLabel": "Accounts, Notes, Loans and Financing Receivable [Line Items]", "verboseLabel": "Financing Receivable, Troubled Debt Restructuring [Line Items]" } } }, "localname": "FinancingReceivableModificationsLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1": { "auth_ref": [ "r209" ], "lang": { "en-us": { "role": { "documentation": "Number of financing receivable contracts modified as troubled debt restructuring within previous 12 months, with subsequent payment default.", "label": "Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts", "terseLabel": "TDRs that subsequently defaulted, number of accounts (in accounts)" } } }, "localname": "FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails" ], "xbrltype": "integerItemType" }, "us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1": { "auth_ref": [ "r208" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of financing receivable modified as troubled debt restructuring within previous 12 months, with subsequent payment default.", "label": "Financing Receivable, Troubled Debt Restructuring, Subsequent Default", "terseLabel": "TDRs that subsequently defaulted, aggregated outstanding balances upon default" } } }, "localname": "FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear": { "auth_ref": [ "r283", "r288" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of financing receivable originated more than five years prior to current fiscal year.", "label": "Financing Receivable, Originated, More than Five Years before Current Fiscal Year", "terseLabel": "Loan receivables, originated prior to 2017" } } }, "localname": "FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear": { "auth_ref": [ "r283", "r288" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of financing receivable originated four years prior to current fiscal year.", "label": "Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year", "terseLabel": "Loan receivables, originated in 2017" } } }, "localname": "FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear": { "auth_ref": [ "r283", "r288" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of financing receivable originated in current fiscal year.", "label": "Financing Receivable, Year One, Originated, Current Fiscal Year", "terseLabel": "Loan receivables, originated in 2021" } } }, "localname": "FinancingReceivableOriginatedInCurrentFiscalYear", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear": { "auth_ref": [ "r283", "r288" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of financing receivable originated in fiscal year prior to current fiscal year.", "label": "Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year", "terseLabel": "Loan receivables, originated in 2020" } } }, "localname": "FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear": { "auth_ref": [ "r283", "r288" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of financing receivable originated three years prior to current fiscal year.", "label": "Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year", "terseLabel": "Loan receivables, originated in 2018" } } }, "localname": "FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear": { "auth_ref": [ "r283", "r288" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of financing receivable originated two years prior to current fiscal year.", "label": "Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year", "terseLabel": "Loan receivables, originated in 2019" } } }, "localname": "FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivablePortfolioSegmentAxis": { "auth_ref": [ "r270", "r276", "r284", "r764", "r765", "r766", "r767", "r768", "r769", "r770", "r772", "r773", "r774", "r775", "r776", "r777", "r778" ], "lang": { "en-us": { "role": { "documentation": "Information by the level at which an entity develops and documents a systematic methodology to determine its allowance for credit losses.", "label": "Financing Receivable Portfolio Segment [Axis]", "terseLabel": "Financing Receivable Portfolio Segment [Axis]" } } }, "localname": "FinancingReceivablePortfolioSegmentAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FinancingReceivablePortfolioSegmentDomain": { "auth_ref": [ "r764", "r765", "r766", "r767", "r768", "r769", "r770", "r772", "r773", "r774", "r775", "r776", "r777", "r778" ], "lang": { "en-us": { "role": { "documentation": "Level at which an entity develops and documents a systematic methodology to determine its allowance for credit losses.", "label": "Financing Receivable Portfolio Segment [Domain]", "terseLabel": "Financing Receivable Portfolio Segment [Domain]" } } }, "localname": "FinancingReceivablePortfolioSegmentDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing": { "auth_ref": [ "r212", "r279", "r289" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of financing receivable 90 days or more past due and still accruing.", "label": "Financing Receivable, 90 Days or More Past Due, Still Accruing", "verboseLabel": "Loan receivables, 90 or more days delinquent and accruing" } } }, "localname": "FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis": { "auth_ref": [ "r206", "r213", "r214", "r277", "r280", "r282", "r285", "r286", "r288", "r289", "r764", "r765", "r766", "r767", "r768", "r769", "r770", "r772", "r773", "r774", "r775", "r776", "r777", "r778" ], "lang": { "en-us": { "role": { "documentation": "Information by class of financing receivable determined on the basis of initial measurement attribute, risk characteristics and method of monitoring and assessing credit risk.", "label": "Class of Financing Receivable [Axis]", "terseLabel": "Class of Financing Receivable [Axis]" } } }, "localname": "FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain": { "auth_ref": [ "r764", "r765", "r766", "r767", "r768", "r769", "r770", "r772", "r773", "r774", "r775", "r776", "r777", "r778" ], "lang": { "en-us": { "role": { "documentation": "Financing receivables determined on the basis of initial measurement attribute, risk characteristics and method of monitoring and assessing credit risk.", "label": "Class of Financing Receivable [Domain]", "terseLabel": "Class of Financing Receivable [Domain]" } } }, "localname": "FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FinancingReceivableRecordedInvestmentLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Financing Receivable, Credit Quality Indicator [Line Items]", "terseLabel": "Financing Receivable, Credit Quality Indicator [Line Items]" } } }, "localname": "FinancingReceivableRecordedInvestmentLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus": { "auth_ref": [ "r211", "r278", "r775", "r776" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of financing receivable on nonaccrual status.", "label": "Financing Receivable, Nonaccrual", "terseLabel": "Loan receivables, total non-accruing" } } }, "localname": "FinancingReceivableRecordedInvestmentNonaccrualStatus", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Financing Receivable, Past Due [Line Items]", "terseLabel": "Financing Receivable, Past Due [Line Items]" } } }, "localname": "FinancingReceivableRecordedInvestmentPastDueLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FinancingReceivableRevolving": { "auth_ref": [ "r283", "r288" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of financing receivable that can be withdrawn, repaid and redrawn.", "label": "Financing Receivable, Revolving", "terseLabel": "Loan receivables, credit card" } } }, "localname": "FinancingReceivableRevolving", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember": { "auth_ref": [ "r289" ], "lang": { "en-us": { "role": { "documentation": "Financial asset equal to or greater than 90 days past due.", "label": "Financial Asset, Equal to or Greater than 90 Days Past Due [Member]", "terseLabel": "90 or More Days Delinquent [Member]" } } }, "localname": "FinancingReceivablesEqualToGreaterThan90DaysPastDueMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FinancingReceivablesPeriodPastDueAxis": { "auth_ref": [ "r214", "r277", "r289" ], "lang": { "en-us": { "role": { "documentation": "Information by period in which financial asset is past due or not past due.", "label": "Financial Asset, Aging [Axis]", "terseLabel": "Financial Asset, Period Past Due [Axis]" } } }, "localname": "FinancingReceivablesPeriodPastDueAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails" ], "xbrltype": "stringItemType" }, "us-gaap_FinancingReceivablesPeriodPastDueDomain": { "auth_ref": [ "r214", "r277", "r289" ], "lang": { "en-us": { "role": { "documentation": "Period in which financial asset is past due or not past due. For past due, element name and standard label in Financial Asset, [numeric lower end] to [numeric higher end] [date measure] Past Due [Member] or Financial Asset, Greater than [low end numeric value] [date measure] Past Due [Member] or Financial Asset, Less than [high end numeric value] [date measure] Past Due [Member] formats.", "label": "Financial Asset, Aging [Domain]", "terseLabel": "Financial Asset, Period Past Due [Domain]" } } }, "localname": "FinancingReceivablesPeriodPastDueDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails" ], "xbrltype": "domainItemType" }, "us-gaap_FinancingReceivablesTextBlock": { "auth_ref": [ "r216", "r219" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for financing receivable.", "label": "Financing Receivables [Text Block]", "terseLabel": "Loan Receivables" } } }, "localname": "FinancingReceivablesTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ForeignExchangeForwardMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Foreign exchange forward traded on an exchange (examples include but are not limited to the International Securities Exchange, Philadelphia Stock Exchange, or the Chicago Mercantile Exchange) for options or future contracts to buy or sell a certain currency, at a specified date, at a fixed exercise exchange rate.", "label": "Foreign Exchange Forward [Member]", "terseLabel": "Foreign Exchange Forward [Member]" } } }, "localname": "ForeignExchangeForwardMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "domainItemType" }, "us-gaap_GainLossOnDispositionOfAssets1": { "auth_ref": [ "r94" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 6.0, "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of gain (loss) on sale or disposal of assets, including but not limited to property plant and equipment, intangible assets and equity in securities of subsidiaries or equity method investee.", "label": "Gain (Loss) on Disposition of Assets", "negatedTerseLabel": "Net unrealized and realized gains on investments and other assets" } } }, "localname": "GainLossOnDispositionOfAssets1", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings": { "auth_ref": [ "r505" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Total amount of gain (loss) derived from fair value hedges recognized in earnings in the period.", "label": "Gain (Loss) on Fair Value Hedges Recognized in Earnings", "terseLabel": "Total gains (losses) on fair value hedges" } } }, "localname": "GainLossOnFairValueHedgesRecognizedInEarnings", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_Goodwill": { "auth_ref": [ "r297", "r298", "r581", "r640" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 7.0, "parentTag": "us-gaap_Assets", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.", "label": "Goodwill", "terseLabel": "Goodwill" } } }, "localname": "Goodwill", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_GuaranteeObligationsByNatureAxis": { "auth_ref": [ "r333" ], "lang": { "en-us": { "role": { "documentation": "Information by nature of guarantee.", "label": "Guarantor Obligations, Nature [Axis]", "terseLabel": "Guarantor Obligations, Nature [Axis]" } } }, "localname": "GuaranteeObligationsByNatureAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesScheduleofMaximumPotentialCounterpartyExposuresRelatedtoSettlementGuaranteesandMerchantChargebackGuaranteeDetails", "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesTables" ], "xbrltype": "stringItemType" }, "us-gaap_GuaranteeObligationsLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Guarantor Obligations [Line Items]", "terseLabel": "Guarantor Obligations [Line Items]" } } }, "localname": "GuaranteeObligationsLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesTables" ], "xbrltype": "stringItemType" }, "us-gaap_GuaranteeObligationsMaximumExposure": { "auth_ref": [ "r332" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Maximum potential amount of future payments (undiscounted) the guarantor could be required to make under the guarantee or each group of similar guarantees before reduction for potential recoveries under recourse or collateralization provisions.", "label": "Guarantor Obligations, Maximum Exposure, Undiscounted", "terseLabel": "Guarantor obligations, maximum exposure, undiscounted" } } }, "localname": "GuaranteeObligationsMaximumExposure", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_GuaranteeObligationsNatureDomain": { "auth_ref": [ "r331" ], "lang": { "en-us": { "role": { "documentation": "Represents a description of the nature of the guarantee or each group of similar guarantees.", "label": "Guarantor Obligations, Nature [Domain]", "terseLabel": "Guarantor Obligations, Nature [Domain]" } } }, "localname": "GuaranteeObligationsNatureDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesScheduleofMaximumPotentialCounterpartyExposuresRelatedtoSettlementGuaranteesandMerchantChargebackGuaranteeDetails", "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesTables" ], "xbrltype": "domainItemType" }, "us-gaap_HedgingDesignationAxis": { "auth_ref": [ "r495", "r512" ], "lang": { "en-us": { "role": { "documentation": "Information by designation of purpose of derivative instrument.", "label": "Hedging Designation [Axis]", "terseLabel": "Hedging Designation [Axis]" } } }, "localname": "HedgingDesignationAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_HedgingDesignationDomain": { "auth_ref": [ "r495" ], "lang": { "en-us": { "role": { "documentation": "Designation of purpose of derivative instrument.", "label": "Hedging Designation [Domain]", "terseLabel": "Hedging Designation [Domain]" } } }, "localname": "HedgingDesignationDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_HedgingRelationshipDomain": { "auth_ref": [ "r495" ], "lang": { "en-us": { "role": { "documentation": "Nature or intent of a hedge.", "label": "Hedging Relationship [Domain]", "terseLabel": "Hedging Relationship [Domain]" } } }, "localname": "HedgingRelationshipDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "domainItemType" }, "us-gaap_HeldToMaturitySecurities": { "auth_ref": [ "r214", "r232", "r269", "r277" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails": { "order": null, "parentTag": null, "root": true, "weight": null }, "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, before allowance for credit loss, of investment in debt security measured at amortized cost (held-to-maturity).", "label": "Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss", "totalLabel": "Held-to-maturity investment securities, amortized cost" } } }, "localname": "HeldToMaturitySecurities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain": { "auth_ref": [ "r234", "r242" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails": { "order": 1.0, "parentTag": "us-gaap_HeldToMaturitySecurities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of accumulated unrecognized gain on investment in debt security measured at amortized cost (held-to-maturity).", "label": "Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain", "terseLabel": "Held-to-maturity investment securities, gross unrealized gains" } } }, "localname": "HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss": { "auth_ref": [ "r235", "r243" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails": { "order": 2.0, "parentTag": "us-gaap_HeldToMaturitySecurities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of accumulated unrealized loss on investment in debt security measured at amortized cost (held-to-maturity).", "label": "Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss", "negatedTerseLabel": "Held-to-maturity investment securities, gross unrealized losses" } } }, "localname": "HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue": { "auth_ref": [ "r238", "r247", "r678", "r682" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 3.0, "parentTag": "us-gaap_HeldToMaturitySecuritiesFairValue", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value of investment in debt security measured at amortized cost (held-to-maturity), with single maturity date and allocated without single maturity date, maturing in sixth through tenth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10", "terseLabel": "Held-to-maturity investment securities, debt maturities, after five years through ten years, fair value" } } }, "localname": "HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount": { "auth_ref": [ "r238", "r678" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 3.0, "parentTag": "us-gaap_HeldToMaturitySecurities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, after allowance for credit loss, of investment in debt security measured at amortized cost (held-to-maturity) with single maturity date and allocated without single maturity date, maturing in sixth through tenth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year Five through Ten", "terseLabel": "Held-to-maturity investment securities, debt maturities, after five years through ten years, amortized cost" } } }, "localname": "HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue": { "auth_ref": [ "r237", "r246", "r677", "r681" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 2.0, "parentTag": "us-gaap_HeldToMaturitySecuritiesFairValue", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value of investment in debt security measured at amortized cost (held-to-maturity), with single maturity date and allocated without single maturity date, maturing in second through fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five", "terseLabel": "Held-to-maturity investment securities, debt maturities, after one year through five years, fair value" } } }, "localname": "HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount": { "auth_ref": [ "r237", "r677" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 2.0, "parentTag": "us-gaap_HeldToMaturitySecurities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, after allowance for credit loss, of investment in debt security measured at amortized cost (held-to-maturity) with single maturity date and allocated without single maturity date, maturing in second through fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year One through Five", "terseLabel": "Held-to-maturity investment securities, debt maturities, after one year through five years, amortized cost" } } }, "localname": "HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue": { "auth_ref": [ "r239", "r248", "r679", "r683" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 4.0, "parentTag": "us-gaap_HeldToMaturitySecuritiesFairValue", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value of investment in debt security measured at amortized cost (held-to-maturity), with single maturity date and allocated without single maturity date, maturing after tenth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10", "terseLabel": "Held-to-maturity investment securities, debt maturities, after ten years, fair value" } } }, "localname": "HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount": { "auth_ref": [ "r239", "r679" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 4.0, "parentTag": "us-gaap_HeldToMaturitySecurities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, after allowance for credit loss, of investment in debt security measured at amortized cost (held-to-maturity) with single maturity date and allocated without single maturity date, maturing after tenth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year 10", "terseLabel": "Held-to-maturity investment securities, debt maturities, after ten years, amortized cost" } } }, "localname": "HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue": { "auth_ref": [ "r236", "r245", "r676", "r680" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 1.0, "parentTag": "us-gaap_HeldToMaturitySecuritiesFairValue", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value of investment in debt security measured at amortized cost (held-to-maturity), with single maturity date and allocated without single maturity date, maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, Year One", "terseLabel": "Held-to-maturity investment securities, debt maturities, one year or less, fair value" } } }, "localname": "HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount": { "auth_ref": [ "r236", "r676" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": 1.0, "parentTag": "us-gaap_HeldToMaturitySecurities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, after allowance for credit loss, of investment in debt security measured at amortized cost (held-to-maturity) with single maturity date and allocated without single maturity date, maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, Year One", "verboseLabel": "Held-to-maturity investment securities, debt maturities, one year or less, amortized cost" } } }, "localname": "HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_HeldToMaturitySecuritiesFairValue": { "auth_ref": [ "r233", "r241", "r646" ], "calculation": { "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails": { "order": 3.0, "parentTag": "us-gaap_HeldToMaturitySecurities", "weight": 1.0 }, "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value of investment in debt security measured at amortized cost (held-to-maturity).", "label": "Debt Securities, Held-to-maturity, Fair Value", "terseLabel": "Held-to-maturity investment securities", "totalLabel": "Held-to-maturity investment securities, fair value", "verboseLabel": "Held-to-maturity investment securities, fair value" } } }, "localname": "HeldToMaturitySecuritiesFairValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill": { "auth_ref": [ "r94", "r304" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of impairment loss resulting from write-down of assets, excluding financial assets and goodwill, lacking physical substance and having a projected indefinite period of benefit to fair value.", "label": "Impairment of Intangible Assets, Indefinite-lived (Excluding Goodwill)", "terseLabel": "Impairment of Intangible Assets, Indefinite-lived (Excluding Goodwill)" } } }, "localname": "ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/IntangibleAssetsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest": { "auth_ref": [ "r70", "r175", "r181", "r185", "r188", "r191", "r637", "r654", "r674", "r715" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 1.0, "parentTag": "us-gaap_NetIncomeLoss", "weight": 1.0 }, "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.", "label": "Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest", "totalLabel": "Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest, Total" } } }, "localname": "IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/IncomeTaxesScheduleofEffectiveIncomeTaxRateCalculationDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_IncomeStatementAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Income Statement [Abstract]", "terseLabel": "Income Statement [Abstract]" } } }, "localname": "IncomeStatementAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_IncomeStatementLocationAxis": { "auth_ref": [ "r310", "r312" ], "lang": { "en-us": { "role": { "documentation": "Information by location in the income statement.", "label": "Income Statement Location [Axis]", "terseLabel": "Income Statement Location [Axis]", "verboseLabel": "Derivative Instruments, Gain (Loss) by Income Statement Location [Axis]" } } }, "localname": "IncomeStatementLocationAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_IncomeStatementLocationDomain": { "auth_ref": [ "r312" ], "lang": { "en-us": { "role": { "documentation": "Location in the income statement.", "label": "Income Statement Location [Domain]", "terseLabel": "Income Statement Location [Domain]", "verboseLabel": "Income Statement and Other Comprehensive Income Location [Domain]" } } }, "localname": "IncomeStatementLocationDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_IncomeTaxDisclosureAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Income Tax Disclosure [Abstract]", "terseLabel": "Income Tax Disclosure [Abstract]" } } }, "localname": "IncomeTaxDisclosureAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_IncomeTaxDisclosureTextBlock": { "auth_ref": [ "r105", "r456", "r457", "r458", "r464", "r469", "r471", "r472", "r473" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.", "label": "Income Tax Disclosure [Text Block]", "terseLabel": "Income Taxes" } } }, "localname": "IncomeTaxDisclosureTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/IncomeTaxes" ], "xbrltype": "textBlockItemType" }, "us-gaap_IncomeTaxExpenseBenefit": { "auth_ref": [ "r106", "r124", "r125", "r173", "r454", "r465", "r470", "r716" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 2.0, "parentTag": "us-gaap_NetIncomeLoss", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.", "label": "Income Tax Expense (Benefit)", "terseLabel": "Income tax expense" } } }, "localname": "IncomeTaxExpenseBenefit", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/IncomeTaxesScheduleofEffectiveIncomeTaxRateCalculationDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_IncreaseDecreaseInDeposits": { "auth_ref": [ "r97", "r672" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 7.0, "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.", "label": "Increase (Decrease) in Deposits", "verboseLabel": "Net (decrease) increase in deposits" } } }, "localname": "IncreaseDecreaseInDeposits", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_IncreaseDecreaseInOperatingCapitalAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Increase (Decrease) in Operating Capital [Abstract]", "terseLabel": "Changes in assets and liabilities:" } } }, "localname": "IncreaseDecreaseInOperatingCapitalAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "stringItemType" }, "us-gaap_IncreaseDecreaseInOtherOperatingAssets": { "auth_ref": [ "r93" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 8.0, "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of increase (decrease) in operating assets classified as other.", "label": "Increase (Decrease) in Other Operating Assets", "negatedLabel": "(Increase) decrease in other assets" } } }, "localname": "IncreaseDecreaseInOtherOperatingAssets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_IncreaseDecreaseInOtherOperatingLiabilities": { "auth_ref": [ "r93" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 9.0, "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of increase (decrease) in operating liabilities classified as other.", "label": "Increase (Decrease) in Other Operating Liabilities", "terseLabel": "Increase (decrease) in accrued expenses and other liabilities" } } }, "localname": "IncreaseDecreaseInOtherOperatingLiabilities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_IncreaseDecreaseInStockholdersEquityRollForward": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.", "label": "Increase (Decrease) in Stockholders' Equity [Roll Forward]", "terseLabel": "Increase (Decrease) in Stockholders' Equity [Roll Forward]" } } }, "localname": "IncreaseDecreaseInStockholdersEquityRollForward", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "stringItemType" }, "us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis": { "auth_ref": [ "r301", "r303" ], "lang": { "en-us": { "role": { "documentation": "Information by type or class of assets, excluding financial assets and goodwill, lacking physical substance and having a projected indefinite period of benefit.", "label": "Indefinite-lived Intangible Assets [Axis]", "terseLabel": "Indefinite-lived Intangible Assets [Axis]" } } }, "localname": "IndefiniteLivedIntangibleAssetsByMajorClassAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/IntangibleAssetsDetails" ], "xbrltype": "stringItemType" }, "us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Indefinite-lived Intangible Assets [Line Items]", "terseLabel": "Indefinite-lived Intangible Assets [Line Items]" } } }, "localname": "IndefiniteLivedIntangibleAssetsByMajorClassLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/IntangibleAssetsDetails" ], "xbrltype": "stringItemType" }, "us-gaap_IndefiniteLivedIntangibleAssetsMajorClassNameDomain": { "auth_ref": [ "r301", "r303" ], "lang": { "en-us": { "role": { "documentation": "The major class of indefinite-lived intangible asset (for example, trade names, etc. but not all-inclusive), excluding goodwill. A major class is composed of intangible assets that can be grouped together because they are similar, either by their nature or by their use in the operations of the company.", "label": "Indefinite-lived Intangible Assets, Major Class Name [Domain]", "terseLabel": "Indefinite-lived Intangible Assets, Major Class Name [Domain]" } } }, "localname": "IndefiniteLivedIntangibleAssetsMajorClassNameDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/IntangibleAssetsDetails" ], "xbrltype": "domainItemType" }, "us-gaap_IntangibleAssetsDisclosureTextBlock": { "auth_ref": [ "r306" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for all or part of the information related to intangible assets.", "label": "Intangible Assets Disclosure [Text Block]", "verboseLabel": "Intangible Assets" } } }, "localname": "IntangibleAssetsDisclosureTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/IntangibleAssetsNotes" ], "xbrltype": "textBlockItemType" }, "us-gaap_IntangibleAssetsNetExcludingGoodwill": { "auth_ref": [ "r300", "r302" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 8.0, "parentTag": "us-gaap_Assets", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Sum of the carrying amounts of all intangible assets, excluding goodwill, as of the balance sheet date, net of accumulated amortization and impairment charges.", "label": "Intangible Assets, Net (Excluding Goodwill)", "terseLabel": "Intangible assets, net" } } }, "localname": "IntangibleAssetsNetExcludingGoodwill", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/IntangibleAssetsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_InterestAndDividendIncomeOperating": { "auth_ref": [ "r660" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 1.0, "parentTag": "us-gaap_InterestIncomeExpenseNet", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.", "label": "Interest and Dividend Income, Operating", "terseLabel": "Interest income", "totalLabel": "Total interest income" } } }, "localname": "InterestAndDividendIncomeOperating", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_InterestAndDividendIncomeOperatingAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Interest and Dividend Income, Operating [Abstract]", "terseLabel": "Interest income" } } }, "localname": "InterestAndDividendIncomeOperatingAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "stringItemType" }, "us-gaap_InterestAndDividendIncomeSecurities": { "auth_ref": [], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 3.0, "parentTag": "us-gaap_InterestAndDividendIncomeOperating", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of operating dividend and interest income, including amortization and accretion of premiums and discounts, on securities.", "label": "Interest and Dividend Income, Securities, Operating", "verboseLabel": "Investment securities" } } }, "localname": "InterestAndDividendIncomeSecurities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentCreditCard": { "auth_ref": [ "r659" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 1.0, "parentTag": "us-gaap_InterestAndDividendIncomeOperating", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Interest and fee income from credit card balances due from individuals. Such loans are considered revolving credit arrangements.", "label": "Interest and Fee Income, Loans, Consumer Installment, Credit Card", "terseLabel": "Credit card loans" } } }, "localname": "InterestAndFeeIncomeLoansConsumerInstallmentCreditCard", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_InterestAndFeeIncomeLoansOtherConsumer": { "auth_ref": [ "r659" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 2.0, "parentTag": "us-gaap_InterestAndDividendIncomeOperating", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Interest and fee income from other loans extended to individual consumers.", "label": "Interest and Fee Income, Loans, Other Consumer", "terseLabel": "Other loans" } } }, "localname": "InterestAndFeeIncomeLoansOtherConsumer", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_InterestBearingDepositLiabilities": { "auth_ref": [ "r648" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 1.0, "parentTag": "us-gaap_Deposits", "weight": 1.0 }, "http://www.discovercard.com/role/DepositsScheduleofInterestBearingDepositAccountsDetails": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The aggregate of all domestic and foreign interest-bearing deposit liabilities.", "label": "Interest-bearing Deposit Liabilities", "terseLabel": "Interest-bearing deposit accounts", "totalLabel": "Total interest-bearing deposits" } } }, "localname": "InterestBearingDepositLiabilities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/DepositsScheduleofInterestBearingDepositAccountsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_InterestExpense": { "auth_ref": [ "r69", "r169", "r570", "r573", "r671" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 2.0, "parentTag": "us-gaap_InterestIncomeExpenseNet", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of the cost of borrowed funds accounted for as interest expense.", "label": "Interest Expense", "terseLabel": "Interest expense", "totalLabel": "Total interest expense" } } }, "localname": "InterestExpense", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_InterestExpenseAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Interest Expense [Abstract]", "terseLabel": "Interest expense" } } }, "localname": "InterestExpenseAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "stringItemType" }, "us-gaap_InterestExpenseDeposits": { "auth_ref": [ "r668" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 1.0, "parentTag": "us-gaap_InterestExpense", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Aggregate amount of interest expense on all deposits.", "label": "Interest Expense, Deposits", "verboseLabel": "Deposits" } } }, "localname": "InterestExpenseDeposits", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_InterestExpenseLongTermDebt": { "auth_ref": [ "r670", "r764", "r765" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 3.0, "parentTag": "us-gaap_InterestExpense", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Aggregate amount of interest paid or due on all long-term debt.", "label": "Interest Expense, Long-term Debt", "verboseLabel": "Long-term borrowings" } } }, "localname": "InterestExpenseLongTermDebt", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_InterestExpenseMember": { "auth_ref": [ "r510" ], "lang": { "en-us": { "role": { "documentation": "Primary financial statement caption encompassing interest expense.", "label": "Interest Expense [Member]", "terseLabel": "Interest Expense [Member]" } } }, "localname": "InterestExpenseMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_InterestExpenseShortTermBorrowings": { "auth_ref": [ "r669", "r764", "r765" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 2.0, "parentTag": "us-gaap_InterestExpense", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The aggregate interest expense incurred on short-term borrowings including commercial paper and Federal funds purchased and securities sold under agreements to repurchase.", "label": "Interest Expense, Short-term Borrowings", "terseLabel": "Short-term borrowings" } } }, "localname": "InterestExpenseShortTermBorrowings", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss": { "auth_ref": [ "r663" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 1.0, "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.", "label": "Interest Income (Expense), after Provision for Loan Loss", "totalLabel": "Net interest income after provision for credit losses" } } }, "localname": "InterestIncomeExpenseAfterProvisionForLoanLoss", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_InterestIncomeExpenseNet": { "auth_ref": [ "r661" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 1.0, "parentTag": "us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss", "weight": 1.0 }, "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails": { "order": 1.0, "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The net amount of operating interest income (expense).", "label": "Interest Income (Expense), Net", "terseLabel": "Net interest income", "totalLabel": "Net interest income" } } }, "localname": "InterestIncomeExpenseNet", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_InterestIncomeMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Primary financial statement caption in which reported facts about interest income have been included.", "label": "Interest Income [Member]", "terseLabel": "Interest Income" } } }, "localname": "InterestIncomeMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_InterestRateSwapMember": { "auth_ref": [ "r509" ], "lang": { "en-us": { "role": { "documentation": "Forward based contracts in which two parties agree to swap periodic payments that are fixed at the outset of the swap contract with variable payments based on a market interest rate (index rate) over a specified period.", "label": "Interest Rate Swap [Member]", "terseLabel": "Interest Rate Swaps [Member]" } } }, "localname": "InterestRateSwapMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" ], "xbrltype": "domainItemType" }, "us-gaap_InterestReceivable": { "auth_ref": [ "r36" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.", "label": "Interest Receivable", "terseLabel": "Accrued interest receivable" } } }, "localname": "InterestReceivable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_InvestmentHoldingsLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Investment Holdings [Line Items]", "terseLabel": "Investment Holdings [Line Items]" } } }, "localname": "InvestmentHoldingsLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails", "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails", "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_InvestmentHoldingsTable": { "auth_ref": [ "r735", "r745", "r748", "r749" ], "lang": { "en-us": { "role": { "documentation": "The investment holdings table is used for any listing of investments. The \"Investment [Axis]\" identifies the investment for which the line items apply. The other axes are used for categorizing the investments and creating useful subtotals. These axes cover different categorizations. The appropriate axes are expected to be used. Additional axes can be added for alternative categorizations.", "label": "Investment Holdings [Table]", "terseLabel": "Investment Holdings [Table]" } } }, "localname": "InvestmentHoldingsTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails", "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails", "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_InvestmentTypeAxis": { "auth_ref": [ "r736", "r737", "r738", "r739", "r740", "r741", "r742", "r743", "r744", "r746", "r747", "r750", "r751", "r752", "r753" ], "lang": { "en-us": { "role": { "documentation": "Information by type of investments.", "label": "Investment Type [Axis]", "terseLabel": "Investment Type [Axis]" } } }, "localname": "InvestmentTypeAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_InvestmentTypeCategorizationMember": { "auth_ref": [ "r736", "r737", "r738", "r739", "r740", "r741", "r742", "r743", "r744", "r746", "r747", "r750", "r751", "r752", "r753" ], "lang": { "en-us": { "role": { "documentation": "Asset obtained to generate income or appreciate in value.", "label": "Investments [Domain]", "terseLabel": "Investments [Domain]" } } }, "localname": "InvestmentTypeCategorizationMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.", "label": "Investments Classified by Contractual Maturity Date [Table Text Block]", "terseLabel": "Schedule of Maturities of Available-for-Sale Debt Securities and Held-to-Maturity Debt Securities" } } }, "localname": "InvestmentsClassifiedByContractualMaturityDateTableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Investments, Debt and Equity Securities [Abstract]", "terseLabel": "Investments, Debt and Equity Securities [Abstract]" } } }, "localname": "InvestmentsDebtAndEquitySecuritiesAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock": { "auth_ref": [ "r253", "r638", "r684", "r754", "r771" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for investments in certain debt and equity securities.", "label": "Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]", "verboseLabel": "Investments" } } }, "localname": "InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/Investments" ], "xbrltype": "textBlockItemType" }, "us-gaap_LaborAndRelatedExpense": { "auth_ref": [ "r75" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 1.0, "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit.", "label": "Labor and Related Expense", "terseLabel": "Employee compensation and benefits" } } }, "localname": "LaborAndRelatedExpense", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_LegalMattersAndContingenciesTextBlock": { "auth_ref": [ "r328" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for legal proceedings, legal contingencies, litigation, regulatory and environmental matters and other contingencies.", "label": "Legal Matters and Contingencies [Text Block]", "terseLabel": "Litigation and Regulatory Matters" } } }, "localname": "LegalMattersAndContingenciesTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMatters" ], "xbrltype": "textBlockItemType" }, "us-gaap_Liabilities": { "auth_ref": [ "r28", "r103", "r183", "r259", "r339", "r340", "r341", "r344", "r345", "r346", "r348", "r350", "r352", "r353", "r478", "r481", "r482", "r553", "r579", "r580" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 1.0, "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.", "label": "Liabilities", "totalLabel": "Total liabilities" } } }, "localname": "Liabilities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_LiabilitiesAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Liabilities [Abstract]", "terseLabel": "Liabilities" } } }, "localname": "LiabilitiesAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "stringItemType" }, "us-gaap_LiabilitiesAndStockholdersEquity": { "auth_ref": [ "r24", "r103", "r259", "r553", "r581", "r645", "r705" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.", "label": "Liabilities and Equity", "totalLabel": "Total liabilities and stockholders' equity" } } }, "localname": "LiabilitiesAndStockholdersEquity", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_LiabilitiesAndStockholdersEquityAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Liabilities and Equity [Abstract]", "terseLabel": "Liabilities and Stockholders' Equity" } } }, "localname": "LiabilitiesAndStockholdersEquityAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "stringItemType" }, "us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity": { "auth_ref": [ "r27" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Maximum borrowing capacity under the credit facility without consideration of any current restrictions on the amount that could be borrowed or the amounts currently outstanding under the facility.", "label": "Line of Credit Facility, Maximum Borrowing Capacity", "terseLabel": "Total commitment of secured credit facilities" } } }, "localname": "LineOfCreditFacilityMaximumBorrowingCapacity", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LitigationSettlementExpense": { "auth_ref": [], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of litigation expense, including but not limited to legal, forensic, accounting, and investigative fees.", "label": "Litigation Settlement, Expense", "terseLabel": "Litigation settlement, expense" } } }, "localname": "LitigationSettlementExpense", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LitigationStatusAxis": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Information by status of pending, threatened, or settled litigation.", "label": "Litigation Status [Axis]", "terseLabel": "Litigation Status [Axis]" } } }, "localname": "LitigationStatusAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_LitigationStatusDomain": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Status of pending, threatened, or settled litigation.", "label": "Litigation Status [Domain]", "terseLabel": "Litigation Status [Domain]" } } }, "localname": "LitigationStatusDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_LoansPledgedAsCollateral": { "auth_ref": [ "r210", "r604" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Carrying amount as of the balance sheet date of loans that have been pledged as collateral for borrowings. If the secured party has the right by contract or custom to sell or re-pledge the collateral, then the debtor reclassifies that asset and report that asset in its statement of financial position separately from other assets not so encumbered.", "label": "Loans Pledged as Collateral", "terseLabel": "Loans pledged as collateral" } } }, "localname": "LoansPledgedAsCollateral", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LoansReceivableFairValueDisclosure": { "auth_ref": [ "r216" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.", "label": "Loans Receivable, Fair Value Disclosure", "terseLabel": "Net loan receivables" } } }, "localname": "LoansReceivableFairValueDisclosure", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LongTermDebtAndCapitalLeaseObligations": { "auth_ref": [ "r14" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 2.0, "parentTag": "us-gaap_Liabilities", "weight": 1.0 }, "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of long-term debt and lease obligation, classified as noncurrent.", "label": "Long-term Debt and Lease Obligation", "terseLabel": "Long-term borrowings", "totalLabel": "Total", "verboseLabel": "Long-term borrowings (in dollars)" } } }, "localname": "LongTermDebtAndCapitalLeaseObligations", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LongTermDebtFairValue": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The fair value amount of long-term debt whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission.", "label": "Long-term Debt, Fair Value", "terseLabel": "Long-term borrowings" } } }, "localname": "LongTermDebtFairValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive": { "auth_ref": [ "r108", "r336", "r373" ], "calculation": { "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails": { "order": 6.0, "parentTag": "us-gaap_LongTermDebtAndCapitalLeaseObligations", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Long-Term Debt, Maturity, after Year Five", "terseLabel": "Thereafter" } } }, "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths": { "auth_ref": [ "r108", "r336", "r373" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Long-Term Debt, Maturity, Year One", "terseLabel": "2021R" } } }, "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive": { "auth_ref": [ "r108", "r336", "r373" ], "calculation": { "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails": { "order": 5.0, "parentTag": "us-gaap_LongTermDebtAndCapitalLeaseObligations", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Long-Term Debt, Maturity, Year Five", "terseLabel": "2025" } } }, "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour": { "auth_ref": [ "r108", "r336", "r373" ], "calculation": { "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails": { "order": 4.0, "parentTag": "us-gaap_LongTermDebtAndCapitalLeaseObligations", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Long-Term Debt, Maturity, Year Four", "terseLabel": "2024" } } }, "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree": { "auth_ref": [ "r108", "r336", "r373" ], "calculation": { "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails": { "order": 3.0, "parentTag": "us-gaap_LongTermDebtAndCapitalLeaseObligations", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Long-Term Debt, Maturity, Year Three", "terseLabel": "2023" } } }, "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo": { "auth_ref": [ "r108", "r336", "r373" ], "calculation": { "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails": { "order": 2.0, "parentTag": "us-gaap_LongTermDebtAndCapitalLeaseObligations", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Long-Term Debt, Maturity, Year Two", "terseLabel": "2022" } } }, "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear": { "auth_ref": [ "r108" ], "calculation": { "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails": { "order": 1.0, "parentTag": "us-gaap_LongTermDebtAndCapitalLeaseObligations", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in remainder of current fiscal year.", "label": "Long-Term Debt, Maturity, Remainder of Fiscal Year", "terseLabel": "2021" } } }, "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LongTermDebtMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Debt arrangement having an initial term longer than one year or beyond the normal operating cycle, if longer.", "label": "Long-term Debt [Member]", "terseLabel": "Long-term Borrowings [Member]" } } }, "localname": "LongTermDebtMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesDerivativesandHedgingActivitiesScheduleofHedgedItemsinaFairValueHedgingRelationshipDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_LongtermDebtTypeAxis": { "auth_ref": [ "r30" ], "lang": { "en-us": { "role": { "documentation": "Information by type of long-term debt.", "label": "Long-term Debt, Type [Axis]", "terseLabel": "Long-term Debt, Type [Axis]" } } }, "localname": "LongtermDebtTypeAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsNarrativeDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_LongtermDebtTypeDomain": { "auth_ref": [ "r30", "r337" ], "lang": { "en-us": { "role": { "documentation": "Type of long-term debt arrangement, such as notes, line of credit, commercial paper, asset-based financing, project financing, letter of credit financing. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the company, if longer.", "label": "Long-term Debt, Type [Domain]", "terseLabel": "Long-term Debt, Type [Domain]" } } }, "localname": "LongtermDebtTypeDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsNarrativeDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_LongtermDebtWeightedAverageInterestRate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Weighted average interest rate of long-term debt outstanding calculated at point in time.", "label": "Long-term Debt, Weighted Average Interest Rate, at Point in Time", "terseLabel": "Weighted-average interest rate" } } }, "localname": "LongtermDebtWeightedAverageInterestRate", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "percentItemType" }, "us-gaap_LossContingenciesByNatureOfContingencyAxis": { "auth_ref": [ "r317", "r318", "r319", "r322", "r323", "r324", "r327", "r329", "r330" ], "lang": { "en-us": { "role": { "documentation": "Information by type of existing condition, situation, or set of circumstances involving uncertainty as to possible loss to an enterprise that will ultimately be resolved when one or more future events occur or fail to occur.", "label": "Loss Contingency Nature [Axis]", "terseLabel": "Loss Contingency Nature [Axis]" } } }, "localname": "LossContingenciesByNatureOfContingencyAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_LossContingenciesLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Loss Contingencies [Line Items]", "terseLabel": "Loss Contingencies [Line Items]" } } }, "localname": "LossContingenciesLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesScheduleofMaximumPotentialCounterpartyExposuresRelatedtoSettlementGuaranteesandMerchantChargebackGuaranteeDetails", "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_LossContingenciesTable": { "auth_ref": [ "r317", "r318", "r319", "r322", "r323", "r324", "r327", "r329", "r330" ], "lang": { "en-us": { "role": { "documentation": "Discloses the specific components (such as the nature, name, and date) of the loss contingency and gives an estimate of the possible loss or range of loss, or states that a reasonable estimate cannot be made. Excludes environmental contingencies, warranties and unconditional purchase obligations.", "label": "Loss Contingencies [Table]", "terseLabel": "Loss Contingencies [Table]" } } }, "localname": "LossContingenciesTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesScheduleofMaximumPotentialCounterpartyExposuresRelatedtoSettlementGuaranteesandMerchantChargebackGuaranteeDetails", "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_LossContingencyAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Loss Contingency [Abstract]", "terseLabel": "Loss Contingency [Abstract]" } } }, "localname": "LossContingencyAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_LossContingencyAccrualAtCarryingValue": { "auth_ref": [ "r317" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of loss contingency liability.", "label": "Loss Contingency Accrual", "terseLabel": "Contingent liabilities related to equity method investments" } } }, "localname": "LossContingencyAccrualAtCarryingValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesNarrativeDetails", "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LossContingencyDamagesAwardedValue": { "auth_ref": [ "r317", "r320", "r325" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of damages awarded to the plaintiff in the legal matter.", "label": "Loss Contingency, Damages Awarded, Value", "terseLabel": "Amount of civil money penalty for consent order" } } }, "localname": "LossContingencyDamagesAwardedValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LossContingencyEstimateOfPossibleLoss": { "auth_ref": [ "r321", "r326", "r329" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Reflects the estimated amount of loss from the specified contingency as of the balance sheet date.", "label": "Loss Contingency, Estimate of Possible Loss", "terseLabel": "Loss contingency, estimate of possible loss" } } }, "localname": "LossContingencyEstimateOfPossibleLoss", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_LossContingencyNatureDomain": { "auth_ref": [ "r317", "r318", "r319", "r322", "r323", "r324", "r327", "r329", "r330" ], "lang": { "en-us": { "role": { "documentation": "An existing condition, situation, or set of circumstances involving uncertainty as to possible loss to an enterprise that will ultimately be resolved when one or more future events occur or fail to occur. Resolution of the uncertainty may confirm the incurrence of a loss or impairment of an asset or the incurrence of a liability.", "label": "Loss Contingency, Nature [Domain]", "terseLabel": "Loss Contingency, Nature [Domain]" } } }, "localname": "LossContingencyNatureDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_LossContingencyRangeOfPossibleLossPortionNotAccrued": { "auth_ref": [ "r316" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The difference between the maximum amount of estimated loss and the amount recorded as of the balance sheet date.", "label": "Loss Contingency, Range of Possible Loss, Portion Not Accrued", "terseLabel": "Loss contingency, range of possible loss, portion not accrued" } } }, "localname": "LossContingencyRangeOfPossibleLossPortionNotAccrued", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_MarketableSecurities": { "auth_ref": [ "r651" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 4.0, "parentTag": "us-gaap_Assets", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of investment in marketable security.", "label": "Marketable Securities", "terseLabel": "Investment securities", "verboseLabel": "Investment securities (includes available-for-sale securities of $7,791 and $9,654 reported at fair value with associated amortized cost of $7,566 and $9,277 at September\u00a030, 2021 and December\u00a031, 2020, respectively)" } } }, "localname": "MarketableSecurities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_MarketableSecuritiesTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of marketable securities. This may consist of investments in certain debt and equity securities, short-term investments and other assets.", "label": "Marketable Securities [Table Text Block]", "terseLabel": "Schedule of Investment Securities" } } }, "localname": "MarketableSecuritiesTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_MarketingAndAdvertisingExpense": { "auth_ref": [ "r77" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 2.0, "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The total expense recognized in the period for promotion, public relations, and brand or product advertising.", "label": "Marketing and Advertising Expense", "terseLabel": "Marketing and business development" } } }, "localname": "MarketingAndAdvertisingExpense", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_MaximumLengthOfTimeHedgedInInterestRateCashFlowHedge1": { "auth_ref": [ "r524" ], "lang": { "en-us": { "role": { "documentation": "Maximum period the entity is hedging its exposure to the variability in future cash flows for forecasted transactions, excluding those forecasted transactions related to the payment of variable interest on existing financial instruments, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.", "label": "Maximum Length of Time Hedged in Interest Rate Cash Flow Hedge", "terseLabel": "Initial maximum period for cash flow hedges (in years)" } } }, "localname": "MaximumLengthOfTimeHedgedInInterestRateCashFlowHedge1", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails" ], "xbrltype": "durationItemType" }, "us-gaap_NetCashProvidedByUsedInFinancingActivities": { "auth_ref": [ "r91" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 1.0, "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.", "label": "Net Cash Provided by (Used in) Financing Activities", "totalLabel": "Net cash (used for) provided by financing activities" } } }, "localname": "NetCashProvidedByUsedInFinancingActivities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Net Cash Provided by (Used in) Financing Activities [Abstract]", "terseLabel": "Cash flows (used for) provided by financing activities" } } }, "localname": "NetCashProvidedByUsedInFinancingActivitiesAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "stringItemType" }, "us-gaap_NetCashProvidedByUsedInInvestingActivities": { "auth_ref": [ "r91" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 2.0, "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.", "label": "Net Cash Provided by (Used in) Investing Activities", "totalLabel": "Net cash provided by (used for) investing activities" } } }, "localname": "NetCashProvidedByUsedInInvestingActivities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Net Cash Provided by (Used in) Investing Activities [Abstract]", "terseLabel": "Cash flows provided by (used for) investing activities" } } }, "localname": "NetCashProvidedByUsedInInvestingActivitiesAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "stringItemType" }, "us-gaap_NetCashProvidedByUsedInOperatingActivities": { "auth_ref": [ "r91", "r92", "r95" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 3.0, "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect", "weight": 1.0 } }, "lang": { "en-us": { "role": { "documentation": "Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.", "label": "Net Cash Provided by (Used in) Operating Activities", "totalLabel": "Net cash provided by operating activities" } } }, "localname": "NetCashProvidedByUsedInOperatingActivities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Net Cash Provided by (Used in) Operating Activities [Abstract]", "terseLabel": "Cash flows provided by operating activities" } } }, "localname": "NetCashProvidedByUsedInOperatingActivitiesAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "stringItemType" }, "us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Net Cash Provided by (Used in) Operating Activities, Continuing Operations [Abstract]", "terseLabel": "Adjustments to reconcile net income to net cash provided by operating activities:" } } }, "localname": "NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "stringItemType" }, "us-gaap_NetIncomeLoss": { "auth_ref": [ "r6", "r59", "r62", "r67", "r71", "r95", "r103", "r114", "r118", "r119", "r120", "r121", "r124", "r125", "r139", "r175", "r181", "r185", "r188", "r191", "r259", "r339", "r340", "r341", "r344", "r345", "r346", "r348", "r350", "r352", "r353", "r536", "r553", "r655", "r710" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 1.0, "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0 }, "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome": { "order": 1.0, "parentTag": "us-gaap_ComprehensiveIncomeNetOfTax", "weight": 1.0 }, "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": null, "parentTag": null, "root": true, "weight": null }, "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails": { "order": 1.0, "parentTag": "dfs_NetIncomeLossAvailableToCommonStockholdersInclParticipatingSecurities", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.", "label": "Net Income (Loss) Attributable to Parent", "terseLabel": "Net income", "totalLabel": "Net income", "verboseLabel": "Net income" } } }, "localname": "NetIncomeLoss", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic": { "auth_ref": [ "r118", "r119", "r120", "r121", "r128", "r129", "r140", "r143", "r175", "r181", "r185", "r188", "r191" ], "calculation": { "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.", "label": "Net Income (Loss) Available to Common Stockholders, Basic", "terseLabel": "Net income allocated to common stockholders", "totalLabel": "Net income allocated to common stockholders" } } }, "localname": "NetIncomeLossAvailableToCommonStockholdersBasic", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted": { "auth_ref": [ "r130", "r133", "r134", "r135", "r136", "r140", "r143" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities, and addition from assumption of issuance of common shares for dilutive potential common shares; of income (loss) available to common shareholders.", "label": "Net Income (Loss) Available to Common Stockholders, Diluted", "terseLabel": "Net Income (Loss) Available to Common Stockholders, Diluted" } } }, "localname": "NetIncomeLossAvailableToCommonStockholdersDiluted", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_NondesignatedMember": { "auth_ref": [ "r495" ], "lang": { "en-us": { "role": { "documentation": "Derivative instrument not designated as hedging instrument under Generally Accepted Accounting Principles (GAAP).", "label": "Not Designated as Hedging Instrument [Member]", "terseLabel": "Not Designated as Hedges [Member]" } } }, "localname": "NondesignatedMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofFairValueandOutstandingNotionalAmountsofDerivativeInstrumentsandRelatedCollateralBalancesDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_NoninterestBearingDepositLiabilities": { "auth_ref": [ "r648" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 2.0, "parentTag": "us-gaap_Deposits", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.", "label": "Noninterest-bearing Deposit Liabilities", "terseLabel": "Non-interest bearing deposit accounts" } } }, "localname": "NoninterestBearingDepositLiabilities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_NoninterestExpense": { "auth_ref": [ "r666" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 3.0, "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "weight": -1.0 }, "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails": { "order": 4.0, "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Total aggregate amount of all noninterest expense.", "label": "Noninterest Expense", "terseLabel": "Other expense", "totalLabel": "Total other expense" } } }, "localname": "NoninterestExpense", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_NoninterestExpenseAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Noninterest Expense [Abstract]", "terseLabel": "Other expense" } } }, "localname": "NoninterestExpenseAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "stringItemType" }, "us-gaap_NoninterestIncome": { "auth_ref": [ "r664" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 2.0, "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "weight": 1.0 }, "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails": { "order": 3.0, "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.", "label": "Noninterest Income", "terseLabel": "Other income", "totalLabel": "Total other income", "verboseLabel": "Total other income (loss) by operating segment" } } }, "localname": "NoninterestIncome", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_NoninterestIncomeAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Noninterest Income [Abstract]", "terseLabel": "Other income" } } }, "localname": "NoninterestIncomeAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "stringItemType" }, "us-gaap_NoninterestIncomeOther": { "auth_ref": [ "r664" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 7.0, "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Represents the total of noninterest income derived from certain activities and assets including (for example): (1) venture capital investments; (2) bank owned life insurance; (3) foreign currency transactions; and (4) mortgage servicing rights.", "label": "Noninterest Income, Other", "terseLabel": "Other income", "verboseLabel": "Other income subject to ASC 606" } } }, "localname": "NoninterestIncomeOther", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_NotesReceivableGross": { "auth_ref": [ "r214", "r269", "r277", "r281", "r288", "r289", "r772", "r774", "r775" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 1.0, "parentTag": "us-gaap_NotesReceivableNet", "weight": 1.0 }, "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails": { "order": 2.0, "parentTag": "us-gaap_Assets", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, before allowance for credit loss, of financing receivable.", "label": "Financing Receivable, before Allowance for Credit Loss", "terseLabel": "Loan receivables" } } }, "localname": "NotesReceivableGross", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_NotesReceivableNet": { "auth_ref": [ "r18", "r198", "r281" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 5.0, "parentTag": "us-gaap_Assets", "weight": 1.0 }, "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails": { "order": 2.0, "parentTag": "us-gaap_Assets", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.", "label": "Financing Receivable, after Allowance for Credit Loss", "terseLabel": "Net loan receivables", "totalLabel": "Net loan receivables" } } }, "localname": "NotesReceivableNet", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_NotesReceivableNetAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Financing Receivable, after Allowance for Credit Loss [Abstract]", "terseLabel": "Loan receivables" } } }, "localname": "NotesReceivableNetAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "stringItemType" }, "us-gaap_NumberOfReportableSegments": { "auth_ref": [ "r163" ], "lang": { "en-us": { "role": { "documentation": "Number of segments reported by the entity. A reportable segment is a component of an entity for which there is an accounting requirement to report separate financial information on that component in the entity's financial statements.", "label": "Number of Reportable Segments", "terseLabel": "Number of reportable segments (in number of segments)" } } }, "localname": "NumberOfReportableSegments", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/BackgroundandBasisofPresentationNarrativeDetails", "http://www.discovercard.com/role/SegmentDisclosuresNarrativeDetails" ], "xbrltype": "integerItemType" }, "us-gaap_OccupancyNet": { "auth_ref": [ "r78", "r576", "r665" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 5.0, "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.", "label": "Occupancy, Net", "terseLabel": "Premises and equipment" } } }, "localname": "OccupancyNet", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal": { "auth_ref": [ "r272" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of expense (reversal of expense) for expected credit loss for off-balance sheet credit exposure. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging.", "label": "Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal)", "terseLabel": "Credit loss build (release) on unfunded commitments" } } }, "localname": "OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OperatingSegmentsMember": { "auth_ref": [ "r180", "r181", "r182", "r183", "r185", "r191" ], "lang": { "en-us": { "role": { "documentation": "Identifies components of an entity that engage in business activities from which they may earn revenue and incur expenses, including transactions with other components of the same entity.", "label": "Operating Segments [Member]", "terseLabel": "Operating Segments [Member]" } } }, "localname": "OperatingSegmentsMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Organization, Consolidation and Presentation of Financial Statements [Abstract]", "terseLabel": "Organization, Consolidation and Presentation of Financial Statements [Abstract]" } } }, "localname": "OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock": { "auth_ref": [ "r109", "r127", "r161", "r488" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for the general note to the financial statements for the reporting entity which may include, descriptions of the basis of presentation, business description, significant accounting policies, consolidations, reclassifications, new pronouncements not yet adopted and changes in accounting principles.", "label": "Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies [Text Block]", "terseLabel": "Background and Basis of Presentation" } } }, "localname": "OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/BackgroundandBasisofPresentation" ], "xbrltype": "textBlockItemType" }, "us-gaap_OtherAssets": { "auth_ref": [ "r11", "r641", "r700" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 9.0, "parentTag": "us-gaap_Assets", "weight": 1.0 }, "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails": { "order": 3.0, "parentTag": "us-gaap_Assets", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of assets classified as other.", "label": "Other Assets", "terseLabel": "Other assets", "verboseLabel": "Other" } } }, "localname": "OtherAssets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherAssetsMember": { "auth_ref": [ "r497", "r519" ], "lang": { "en-us": { "role": { "documentation": "Primary financial statement caption encompassing other assets.", "label": "Other Assets [Member]", "terseLabel": "Other Assets [Member]" } } }, "localname": "OtherAssetsMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent": { "auth_ref": [ "r475", "r476", "r479" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome": { "order": 1.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount after tax and reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities, attributable to parent entity. Excludes amounts related to other than temporary impairment (OTTI) loss.", "label": "Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax, Portion Attributable to Parent", "terseLabel": "Unrealized (losses) gains on available-for-sale investment securities, net of tax" } } }, "localname": "OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent": { "auth_ref": [ "r51", "r53", "r475", "r479" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome": { "order": 3.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, after tax and reclassification adjustment, of (increase) decrease in accumulated other comprehensive income for defined benefit plan, attributable to parent.", "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, after Tax and Reclassification Adjustment, Attributable to Parent", "terseLabel": "Unrealized pension and post-retirement plan gains, net of tax" } } }, "localname": "OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax": { "auth_ref": [ "r47", "r48", "r53" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": 1.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, before tax and after adjustment, of unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.", "label": "OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, before Tax", "totalLabel": "Available-for-sale investment securities, net change, before tax" } } }, "localname": "OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax": { "auth_ref": [ "r47", "r48", "r53" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": null, "parentTag": null, "root": true, "weight": null }, "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails_1": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, after tax and adjustment, of unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.", "label": "OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment and Tax", "totalLabel": "Available-for-sale investment securities, net change, net of tax" } } }, "localname": "OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax": { "auth_ref": [ "r47", "r48", "r54" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": 2.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, after adjustment, of tax expense (benefit) for unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and tax expense (benefit) for unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.", "label": "OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax", "negatedTotalLabel": "Available-for-sale investment securities, net change, tax benefit (expense)" } } }, "localname": "OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax": { "auth_ref": [ "r46", "r53" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": null, "parentTag": null, "root": true, "weight": null }, "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails_1": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, after tax and reclassification, of gain (loss) from derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.", "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax", "totalLabel": "Cash flow hedges, net change, net of tax" } } }, "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent": { "auth_ref": [ "r53" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome": { "order": 2.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, after tax and reclassification, of gain (loss) from derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness, attributable to parent.", "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax, Parent", "terseLabel": "Unrealized gains on cash flow hedges, net of tax" } } }, "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax": { "auth_ref": [ "r46", "r53" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": null, "parentTag": null, "root": true, "weight": null }, "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails_1": { "order": 1.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, before tax and after reclassification, of gain (loss) from derivative instrument designated and qualifying cash flow hedge included in assessment of hedge effectiveness.", "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, before Tax", "totalLabel": "Cash flow hedges, net change, before tax" } } }, "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax": { "auth_ref": [ "r54" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": null, "parentTag": null, "root": true, "weight": null }, "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails_1": { "order": 2.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, after reclassification, of tax expense (benefit) for gain (loss) from derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.", "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, Tax", "negatedTotalLabel": "Cash flow hedges, net change, tax benefit (expense)" } } }, "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax": { "auth_ref": [ "r46", "r53" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": 1.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, after tax and before reclassification, of gain (loss) from derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.", "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, after Tax", "totalLabel": "Cash flow hedges, net unrealized gains (losses) arising during the period, net of tax" } } }, "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax": { "auth_ref": [ "r46", "r53", "r500", "r506", "r520" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": 1.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, before tax and reclassification, of gain (loss) from derivative instrument designated and qualifying cash flow hedge included in assessment of hedge effectiveness.", "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax", "terseLabel": "Cash flow hedges, net unrealized gains (losses) arising during the period, before tax" } } }, "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax": { "auth_ref": [ "r54" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": 2.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, before reclassification, of tax expense (benefit) for gain (loss) from derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.", "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, Tax", "negatedTerseLabel": "Cash flow hedges, net unrealized gains (losses) arising during the period, tax benefit (expense)" } } }, "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax": { "auth_ref": [ "r53", "r57" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": 2.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, after tax, of reclassification of gain (loss) from accumulated other comprehensive income (AOCI) for derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.", "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, after Tax", "negatedTotalLabel": "Cash flow hedges, amounts reclassified from AOCI, net of tax" } } }, "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax": { "auth_ref": [ "r53", "r57", "r507" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": 2.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, before tax, of reclassification of gain (loss) from accumulated other comprehensive income (AOCI) for derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.", "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax", "negatedLabel": "Cash flow hedges, amounts reclassified from AOCI, before tax", "terseLabel": "Amounts reclassified from OCI into earnings, cash flow hedges" } } }, "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax": { "auth_ref": [ "r54" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": 2.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of tax expense (benefit) for reclassification of gain (loss) from accumulated other comprehensive income (AOCI) for derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.", "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax", "terseLabel": "Cash flow hedges, amounts reclassified from AOCI, tax benefit (expense)" } } }, "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossNetOfTax": { "auth_ref": [ "r60", "r63", "r65", "r66", "r68", "r72", "r399", "r563", "r568", "r569", "r656", "r711" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount after tax and reclassification adjustments of other comprehensive income (loss).", "label": "Other Comprehensive Income (Loss), Net of Tax", "terseLabel": "Net change in accumulated other comprehensive income (loss), net of tax", "verboseLabel": "Other comprehensive loss" } } }, "localname": "OtherComprehensiveIncomeLossNetOfTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Other Comprehensive Income (Loss), Net of Tax [Abstract]", "terseLabel": "Other comprehensive (loss) income, net of tax" } } }, "localname": "OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome" ], "xbrltype": "stringItemType" }, "us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent": { "auth_ref": [ "r60", "r63", "r475", "r476", "r479" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome": { "order": 2.0, "parentTag": "us-gaap_ComprehensiveIncomeNetOfTax", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount after tax of other comprehensive income (loss) attributable to parent entity.", "label": "Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent", "totalLabel": "Other comprehensive (loss) income" } } }, "localname": "OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofComprehensiveIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsAndTax": { "auth_ref": [ "r51", "r53" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, before tax and reclassification adjustment, of (increase) decrease in accumulated other comprehensive income of defined benefit plan, that has not been recognized in net periodic benefit cost (credit).", "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, before Reclassification Adjustment and Tax", "terseLabel": "Other comprehensive (income) loss, defined benefit plan, before reclassification adjustment and tax" } } }, "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsAndTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax": { "auth_ref": [ "r51", "r53" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, after tax, before reclassification adjustment, of (increase) decrease in accumulated other comprehensive income of defined benefit plan, that has not been recognized in net periodic benefit cost (credit).", "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, before Reclassification Adjustment, after Tax", "terseLabel": "Other comprehensive (income) loss, defined benefit plan, before reclassification adjustment, after tax" } } }, "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax": { "auth_ref": [ "r51", "r53", "r440", "r441" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, before tax, after reclassification adjustment, of (increase) decrease in accumulated other comprehensive income for defined benefit plan.", "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, before Tax", "terseLabel": "Other comprehensive (income) loss, defined benefit plan, after reclassification adjustment, before tax" } } }, "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax": { "auth_ref": [ "r51", "r53" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, after tax and reclassification adjustment, of (increase) decrease in accumulated other comprehensive income for defined benefit plan.", "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, after Tax", "terseLabel": "Other comprehensive (income) loss, defined benefit plan, after reclassification adjustment, after tax" } } }, "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax": { "auth_ref": [ "r51", "r54", "r475" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, before reclassification adjustment, of tax (expense) benefit for (increase) decrease in accumulated other comprehensive income for defined benefit plan.", "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, before Reclassification Adjustment, Tax", "terseLabel": "Pension plan, unrealized gains (losses) arising during the period, tax benefit (expense)" } } }, "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax": { "auth_ref": [ "r51", "r54", "r475" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, after reclassification adjustment, of tax (expense) benefit for (increase) decrease in accumulated other comprehensive income of defined benefit plan.", "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, Tax", "terseLabel": "Other comprehensive (income) loss, defined benefit plan, after reclassification adjustment, tax" } } }, "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax": { "auth_ref": [ "r53", "r57", "r58", "r252" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": 2.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount before tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.", "label": "Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax", "terseLabel": "Other comprehensive income (loss), reclassification adjustment from AOCI for sale of securities, before tax" } } }, "localname": "OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax": { "auth_ref": [ "r53", "r57", "r58", "r252" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails_1": { "order": 2.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount after tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.", "label": "Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax", "terseLabel": "Other comprehensive income (loss), reclassification adjustment from AOCI for sale of securities, net of tax" } } }, "localname": "OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax": { "auth_ref": [ "r54", "r252" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": 2.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.", "label": "Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax", "terseLabel": "Other comprehensive income (loss), reclassification adjustment from AOCI for sale of securities, tax benefit (expense)" } } }, "localname": "OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax": { "auth_ref": [ "r47", "r53", "r252" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": 1.0, "parentTag": "us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, before tax and adjustment, of unrealized holding gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale). Excludes unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.", "label": "OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment and Tax", "terseLabel": "Available-for-sale investment securities, net unrealized holding gains (losses) arising during the period, before tax" } } }, "localname": "OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax": { "auth_ref": [ "r47", "r53" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": null, "parentTag": null, "root": true, "weight": null }, "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails_1": { "order": 1.0, "parentTag": "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, after tax and before adjustment, of unrealized holding gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale). Excludes unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.", "label": "OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax", "totalLabel": "Available-for-sale investment securities, net unrealized holding gains (losses) arising during the period, net of tax" } } }, "localname": "OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax": { "auth_ref": [ "r48", "r54" ], "calculation": { "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails": { "order": 2.0, "parentTag": "us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount, before adjustment, of tax expense (benefit) for unrealized holding gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale). Excludes tax expense (benefit) for unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.", "label": "OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, Tax", "negatedTerseLabel": "Available-for-sale investment securities, net unrealized holding gains (losses) arising during the period, tax benefit (expense)" } } }, "localname": "OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofOtherComprehensiveIncomeBeforeReclassificationsandAmountsReclassifiedfromAOCIDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherDepreciationAndAmortization": { "auth_ref": [ "r76", "r94", "r308" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 4.0, "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of expense charged against earnings to allocate the cost of tangible and intangible assets over their remaining economic lives, classified as other.", "label": "Other Depreciation and Amortization", "terseLabel": "Depreciation and amortization" } } }, "localname": "OtherDepreciationAndAmortization", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherIncomeMember": { "auth_ref": [ "r513" ], "lang": { "en-us": { "role": { "documentation": "Primary financial statement caption encompassing other revenue.", "label": "Other Income [Member]", "terseLabel": "Other Income [Member]" } } }, "localname": "OtherIncomeMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_OtherInterestAndDividendIncome": { "auth_ref": [ "r667" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 4.0, "parentTag": "us-gaap_InterestAndDividendIncomeOperating", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, after discount, accretion and premium amortization, of interest income and dividend income classified as other.", "label": "Other Interest and Dividend Income", "terseLabel": "Other interest income" } } }, "localname": "OtherInterestAndDividendIncome", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherLiabilitiesMember": { "auth_ref": [ "r497", "r519" ], "lang": { "en-us": { "role": { "documentation": "Primary financial statement caption encompassing other liabilities.", "label": "Other Liabilities [Member]", "terseLabel": "Other Liabilities [Member]" } } }, "localname": "OtherLiabilitiesMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_OtherNoninterestExpense": { "auth_ref": [ "r666" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 6.0, "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of noninterest expense classified as other.", "label": "Other Noninterest Expense", "terseLabel": "Other expense" } } }, "localname": "OtherNoninterestExpense", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherOperatingActivitiesCashFlowStatement": { "auth_ref": [], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 7.0, "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Other cash or noncash adjustments to reconcile net income to cash provided by (used in) operating activities that are not separately disclosed in the statement of cash flows (for example, cash received or cash paid during the current period for miscellaneous operating activities, net change during the reporting period in other assets or other liabilities).", "label": "Other Operating Activities, Cash Flow Statement", "terseLabel": "Other, net" } } }, "localname": "OtherOperatingActivitiesCashFlowStatement", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_OtherShortTermInvestments": { "auth_ref": [ "r36", "r652", "r708" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 3.0, "parentTag": "us-gaap_Assets", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of short-term investments classified as other.", "label": "Other Short-term Investments", "terseLabel": "Other short-term investments" } } }, "localname": "OtherShortTermInvestments", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic": { "auth_ref": [ "r138", "r140" ], "calculation": { "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails": { "order": 2.0, "parentTag": "us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of earnings (loss) distributed and earnings (loss) allocated to participating securities for the basic earnings (loss) per share or per unit calculation under the two-class method.", "label": "Participating Securities, Distributed and Undistributed Earnings (Loss), Basic", "negatedTerseLabel": "Income allocated to participating securities" } } }, "localname": "ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_PastDueFinancingReceivablesTableTextBlock": { "auth_ref": [ "r213", "r214", "r277", "r289" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of aging analysis for financing receivable.", "label": "Financing Receivable, Past Due [Table Text Block]", "terseLabel": "Schedule of Delinquent and Non-Accruing Loans" } } }, "localname": "PastDueFinancingReceivablesTableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_PaymentsForProceedsFromLoansReceivable": { "auth_ref": [ "r97", "r98" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 7.0, "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The net amount paid or received by the reporting entity associated with purchase (sale or collection) of loans receivable arising from the financing of goods and services.", "label": "Payments for (Proceeds from) Loans Receivable", "negatedLabel": "Net principal (disbursed) repaid on loans originated for investment" } } }, "localname": "PaymentsForProceedsFromLoansReceivable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_PaymentsForRepurchaseOfCommonStock": { "auth_ref": [ "r89" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 6.0, "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The cash outflow to reacquire common stock during the period.", "label": "Payments for Repurchase of Common Stock", "negatedLabel": "Purchases of treasury stock" } } }, "localname": "PaymentsForRepurchaseOfCommonStock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_PaymentsOfOrdinaryDividends": { "auth_ref": [ "r89" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 9.0, "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Cash outflow in the form of ordinary dividends to common shareholders, preferred shareholders and noncontrolling interests, generally out of earnings.", "label": "Payments of Ordinary Dividends", "negatedTerseLabel": "Dividends paid on common and preferred stock" } } }, "localname": "PaymentsOfOrdinaryDividends", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt": { "auth_ref": [ "r80", "r84", "r221" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 4.0, "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of cash outflow to acquire investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).", "label": "Payments to Acquire Debt Securities, Available-for-sale", "negatedLabel": "Purchases of available-for-sale investment securities" } } }, "localname": "PaymentsToAcquireAvailableForSaleSecuritiesDebt", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_PaymentsToAcquireHeldToMaturitySecurities": { "auth_ref": [ "r84", "r221" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 6.0, "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of cash outflow through purchase of long-term held-to-maturity securities.", "label": "Payments to Acquire Held-to-maturity Securities", "negatedLabel": "Purchases of held-to-maturity investment securities" } } }, "localname": "PaymentsToAcquireHeldToMaturitySecurities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_PaymentsToAcquireOtherInvestments": { "auth_ref": [ "r86" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 10.0, "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of cash outflow to acquire investments classified as other.", "label": "Payments to Acquire Other Investments", "negatedTerseLabel": "Purchases of other investments" } } }, "localname": "PaymentsToAcquireOtherInvestments", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_PaymentsToAcquirePropertyPlantAndEquipment": { "auth_ref": [ "r85" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 12.0, "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.", "label": "Payments to Acquire Property, Plant, and Equipment", "negatedLabel": "Purchases of premises and equipment" } } }, "localname": "PaymentsToAcquirePropertyPlantAndEquipment", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_PaymentsToAcquireShortTermInvestments": { "auth_ref": [ "r86" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 2.0, "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The cash outflow for securities or other assets acquired, which qualify for treatment as an investing activity and are to be liquidated, if necessary, within the current operating cycle. Includes cash flows from securities classified as trading securities that were acquired for reasons other than sale in the short-term.", "label": "Payments to Acquire Short-term Investments", "negatedTerseLabel": "Purchases of other short-term investments" } } }, "localname": "PaymentsToAcquireShortTermInvestments", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_PledgedStatusAxis": { "auth_ref": [ "r477", "r481" ], "lang": { "en-us": { "role": { "documentation": "Information by pledged or not pledged status of asset owned by entity.", "label": "Pledged Status [Axis]", "terseLabel": "Pledged Status [Axis]" } } }, "localname": "PledgedStatusAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_PledgedStatusDomain": { "auth_ref": [ "r477", "r481" ], "lang": { "en-us": { "role": { "documentation": "Pledged or not pledged status of asset owned by entity.", "label": "Pledged Status [Domain]", "terseLabel": "Pledged Status [Domain]" } } }, "localname": "PledgedStatusDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_PortionAtFairValueFairValueDisclosureMember": { "auth_ref": [ "r549" ], "lang": { "en-us": { "role": { "documentation": "Measured at fair value for financial reporting purposes.", "label": "Portion at Fair Value Measurement [Member]", "terseLabel": "Portion at Fair Value Measurement [Member]" } } }, "localname": "PortionAtFairValueFairValueDisclosureMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "domainItemType" }, "us-gaap_PreferredStockDividendRatePercentage": { "auth_ref": [ "r393" ], "lang": { "en-us": { "role": { "documentation": "The percentage rate used to calculate dividend payments on preferred stock.", "label": "Preferred Stock, Dividend Rate, Percentage", "terseLabel": "Preferred Stock, Dividend Rate, Percentage" } } }, "localname": "PreferredStockDividendRatePercentage", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "percentItemType" }, "us-gaap_PreferredStockDividendsPerShareDeclared": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Aggregate dividends declared during the period for each share of preferred stock outstanding.", "label": "Preferred Stock, Dividends Per Share, Declared", "terseLabel": "Dividends declared, preferred stock (dollars per share)" } } }, "localname": "PreferredStockDividendsPerShareDeclared", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquityParenthetical" ], "xbrltype": "perShareItemType" }, "us-gaap_PreferredStockIncludingAdditionalPaidInCapitalNetOfDiscount": { "auth_ref": [ "r16", "r19", "r408" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Aggregate par value plus amounts in excess of par or issuance value (in cases of no-par value stock) for nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) issued and outstanding, net of discount on shares. Aggregate for preferred stock issued and outstanding.", "label": "Preferred Stock, Including Additional Paid in Capital, Net of Discount", "terseLabel": "Proceeds from issuance of preferred stock, net" } } }, "localname": "PreferredStockIncludingAdditionalPaidInCapitalNetOfDiscount", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_PreferredStockLiquidationPreference": { "auth_ref": [ "r16", "r101", "r396", "r400", "r401" ], "lang": { "en-us": { "role": { "documentation": "The per share liquidation preference (or restrictions) of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) that has a preference in involuntary liquidation considerably in excess of the par or stated value of the shares. The liquidation preference is the difference between the preference in liquidation and the par or stated values of the share.", "label": "Preferred Stock, Liquidation Preference Per Share", "terseLabel": "Preferred stock, liquidation preference per share" } } }, "localname": "PreferredStockLiquidationPreference", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "perShareItemType" }, "us-gaap_PreferredStockMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Preferred shares may provide a preferential dividend to the dividend on common stock and may take precedence over common stock in the event of a liquidation. Preferred shares typically represent an ownership interest in the company.", "label": "Preferred Stock [Member]", "terseLabel": "Preferred Stock [Member]" } } }, "localname": "PreferredStockMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "domainItemType" }, "us-gaap_PreferredStockParOrStatedValuePerShare": { "auth_ref": [ "r16", "r392" ], "lang": { "en-us": { "role": { "documentation": "Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.", "label": "Preferred Stock, Par or Stated Value Per Share", "terseLabel": "Preferred stock, par or stated value per Share", "verboseLabel": "Preferred stock, par or stated value per share" } } }, "localname": "PreferredStockParOrStatedValuePerShare", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialConditionParenthetical", "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "perShareItemType" }, "us-gaap_PreferredStockRedemptionPricePerShare": { "auth_ref": [ "r391", "r400", "r402" ], "lang": { "en-us": { "role": { "documentation": "The price per share at which the preferred stock of an entity that has priority over common stock in the distribution of dividends and in the event of liquidation of the entity is redeemed or may be called at. The redemption features of this preferred stock are solely within the control of the issuer.", "label": "Preferred Stock, Redemption Price Per Share", "terseLabel": "Preferred stock, redemption price per share" } } }, "localname": "PreferredStockRedemptionPricePerShare", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "perShareItemType" }, "us-gaap_PreferredStockSharesAuthorized": { "auth_ref": [ "r16" ], "lang": { "en-us": { "role": { "documentation": "The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.", "label": "Preferred Stock, Shares Authorized", "terseLabel": "Preferred Stock, Shares Authorized" } } }, "localname": "PreferredStockSharesAuthorized", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialConditionParenthetical" ], "xbrltype": "sharesItemType" }, "us-gaap_PreferredStockSharesIssued": { "auth_ref": [ "r16", "r392" ], "lang": { "en-us": { "role": { "documentation": "Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.", "label": "Preferred Stock, Shares Issued", "terseLabel": "Preferred Stock, Shares Issued" } } }, "localname": "PreferredStockSharesIssued", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialConditionParenthetical" ], "xbrltype": "sharesItemType" }, "us-gaap_PreferredStockSharesOutstanding": { "auth_ref": [ "r16" ], "lang": { "en-us": { "role": { "documentation": "Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.", "label": "Preferred Stock, Shares Outstanding", "periodEndLabel": "Preferred stock, shares outstanding, balance at end of period (in shares)", "periodStartLabel": "Preferred stock, shares outstanding, balance at beginning of period (in shares)", "terseLabel": "Preferred Stock, Shares Outstanding" } } }, "localname": "PreferredStockSharesOutstanding", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialConditionParenthetical" ], "xbrltype": "sharesItemType" }, "us-gaap_PreferredStockTextBlock": { "auth_ref": [ "r411" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for terms, amounts, nature of changes, rights and privileges, dividends, and other matters related to preferred stock.", "label": "Preferred Stock [Text Block]", "terseLabel": "Preferred Stock" } } }, "localname": "PreferredStockTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/PreferredStockNotes" ], "xbrltype": "textBlockItemType" }, "us-gaap_PreferredStockValue": { "auth_ref": [ "r16", "r581" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 2.0, "parentTag": "us-gaap_StockholdersEquity", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.", "label": "Preferred Stock, Value, Issued", "terseLabel": "Preferred stock, par value $0.01 per share; 200,000,000 shares authorized; 10,700 shares issued and outstanding at September\u00a030, 2021 and December\u00a031, 2020, respectively" } } }, "localname": "PreferredStockValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_PrimeRateMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Interest rate charged by financial institutions to their most creditworthy borrowers.", "label": "Prime Rate [Member]", "terseLabel": "Prime Rate [Member]" } } }, "localname": "PrimeRateMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_ProceedsFromIssuanceOfCommonStock": { "auth_ref": [ "r87" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 5.0, "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The cash inflow from the additional capital contribution to the entity.", "label": "Proceeds from Issuance of Common Stock", "terseLabel": "Proceeds from issuance of common stock" } } }, "localname": "ProceedsFromIssuanceOfCommonStock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock": { "auth_ref": [ "r87" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 8.0, "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation.", "label": "Proceeds from Issuance of Preferred Stock and Preference Stock", "terseLabel": "Proceeds from issuance of preferred stock, net" } } }, "localname": "ProceedsFromIssuanceOfPreferredStockAndPreferenceStock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_ProceedsFromIssuanceOfSecuredDebt": { "auth_ref": [ "r88" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 1.0, "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The cash inflow from amounts received from issuance of long-term debt that is wholly or partially secured by collateral. Excludes proceeds from tax exempt secured debt.", "label": "Proceeds from Issuance of Secured Debt", "terseLabel": "Proceeds from issuance of securitized debt" } } }, "localname": "ProceedsFromIssuanceOfSecuredDebt", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_ProceedsFromIssuanceOfUnsecuredDebt": { "auth_ref": [ "r88" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 3.0, "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The cash inflow from the issuance of long-term debt that is not secured by collateral. Excludes proceeds from tax exempt unsecured debt.", "label": "Proceeds from Issuance of Unsecured Debt", "terseLabel": "Proceeds from issuance of other long-term borrowings" } } }, "localname": "ProceedsFromIssuanceOfUnsecuredDebt", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities": { "auth_ref": [ "r80", "r81", "r221" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 3.0, "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of cash inflow from maturity, prepayment and call of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).", "label": "Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale", "terseLabel": "Maturities of available-for-sale investment securities" } } }, "localname": "ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities": { "auth_ref": [ "r81", "r221" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 5.0, "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The cash inflow associated with the maturity, prepayments and calls (requests for early payments) of debt securities designated as held-to-maturity.", "label": "Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities", "terseLabel": "Maturities of held-to-maturity investment securities" } } }, "localname": "ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfShorttermInvestments": { "auth_ref": [ "r83", "r86" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 1.0, "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The cash inflow from maturities, prepayments, calls and collections of all investments, including securities and other assets, having ready marketability and intended by management to be liquidated, if necessary, within the current operating cycle. Includes cash flows from securities classified as trading securities that were acquired for reasons other than sale in the short-term.", "label": "Proceeds from Maturities, Prepayments and Calls of Short-term Investments", "terseLabel": "Maturities of other short-term investments" } } }, "localname": "ProceedsFromMaturitiesPrepaymentsAndCallsOfShorttermInvestments", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments": { "auth_ref": [ "r83" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 9.0, "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The cash inflow associated with the sale and maturity (principal being due) of other investments, prepayment and call (request of early payment) of other investments not otherwise defined in the taxonomy.", "label": "Proceeds from Sale and Maturity of Other Investments", "terseLabel": "Proceeds from the sale of other investments" } } }, "localname": "ProceedsFromSaleAndMaturityOfOtherInvestments", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt": { "auth_ref": [ "r80", "r81", "r221" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 8.0, "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of cash inflow from sale of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).", "label": "Proceeds from Sale of Debt Securities, Available-for-sale", "terseLabel": "Proceeds from the sale of available-for-sale securities" } } }, "localname": "ProceedsFromSaleOfAvailableForSaleSecuritiesDebt", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows", "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment": { "auth_ref": [ "r82" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 11.0, "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The cash inflow from the sale of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale.", "label": "Proceeds from Sale of Property, Plant, and Equipment", "terseLabel": "Proceeds from sale of premises and equipment" } } }, "localname": "ProceedsFromSaleOfPropertyPlantAndEquipment", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_ProfessionalFees": { "auth_ref": [ "r733", "r734" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 4.0, "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.", "label": "Professional Fees", "terseLabel": "Professional fees" } } }, "localname": "ProfessionalFees", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome" ], "xbrltype": "monetaryItemType" }, "us-gaap_PropertyPlantAndEquipmentNet": { "auth_ref": [ "r9", "r10", "r309", "r581", "r685", "r706" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 6.0, "parentTag": "us-gaap_Assets", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.", "label": "Property, Plant and Equipment, Net", "terseLabel": "Premises and equipment, net" } } }, "localname": "PropertyPlantAndEquipmentNet", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_ProvisionForLoanLeaseAndOtherLosses": { "auth_ref": [ "r93", "r201", "r662" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 2.0, "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0 }, "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome": { "order": 2.0, "parentTag": "us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss", "weight": -1.0 }, "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails": { "order": 2.0, "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.", "label": "Provision for Loan, Lease, and Other Losses", "terseLabel": "Provision for credit losses" } } }, "localname": "ProvisionForLoanLeaseAndOtherLosses", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofIncome", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_ProvisionForLoanLossesExpensed": { "auth_ref": [ "r272", "r653" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of credit loss expense (reversal of expense) for financing receivable.", "label": "Financing Receivable, Credit Loss, Expense (Reversal)", "terseLabel": "Provision for credit losses(1)" } } }, "localname": "ProvisionForLoanLossesExpensed", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment": { "auth_ref": [ "r261" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of commitment or contingent commitments to qualified affordable housing project investments.", "label": "Qualified Affordable Housing Project Investments, Commitment", "terseLabel": "Contingent liabilities related to affordable housing project equity method investments" } } }, "localname": "QualifiedAffordableHousingProjectInvestmentsCommitment", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_ReceivablesAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Receivables [Abstract]", "terseLabel": "Receivables [Abstract]" } } }, "localname": "ReceivablesAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock": { "auth_ref": [ "r689", "r690", "r691", "r693", "r694", "r695", "r697", "r698" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.", "label": "Regulatory Capital Requirements under Banking Regulations [Text Block]", "terseLabel": "Capital Adequacy" } } }, "localname": "RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacy" ], "xbrltype": "textBlockItemType" }, "us-gaap_RepaymentsOfSecuredDebt": { "auth_ref": [ "r90" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 2.0, "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The cash outflow to repay long-term debt that is wholly or partially secured by collateral. Excludes repayments of tax exempt secured debt.", "label": "Repayments of Secured Debt", "negatedLabel": "Maturities and repayment of securitized debt" } } }, "localname": "RepaymentsOfSecuredDebt", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_RepaymentsOfUnsecuredDebt": { "auth_ref": [ "r90" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows": { "order": 4.0, "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": -1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The cash outflow to repay long-term debt that is not secured by collateral. Excludes repayments of tax exempt unsecured debt.", "label": "Repayments of Unsecured Debt", "negatedLabel": "Maturities and repayment of other long-term borrowings" } } }, "localname": "RepaymentsOfUnsecuredDebt", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows" ], "xbrltype": "monetaryItemType" }, "us-gaap_RepurchaseAgreementsMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Investments represented by an agreement between the entity and another party for the sale and repurchase of identical or substantially the same securities at a date certain for a specified price. Such agreements are generally short-term in nature.", "label": "Repurchase Agreements [Member]", "terseLabel": "Repurchase Agreements" } } }, "localname": "RepurchaseAgreementsMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_ResidentialMortgageBackedSecuritiesMember": { "auth_ref": [ "r222", "r433" ], "lang": { "en-us": { "role": { "documentation": "Securities collateralized by residential real estate mortgage loans.", "label": "Residential Mortgage Backed Securities [Member]", "terseLabel": "Residential Mortgage-Backed Securities - Agency [Member]" } } }, "localname": "ResidentialMortgageBackedSecuritiesMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails", "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_RestrictedCashAndCashEquivalents": { "auth_ref": [ "r8", "r96", "r99", "r639", "r702" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 2.0, "parentTag": "us-gaap_Assets", "weight": 1.0 }, "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails": { "order": 1.0, "parentTag": "us-gaap_Assets", "weight": 1.0 }, "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails": { "order": 1.0, "parentTag": "us-gaap_Assets", "weight": 1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Amount of cash and cash equivalents restricted as to withdrawal or usage. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.", "label": "Restricted Cash and Cash Equivalents", "terseLabel": "Restricted cash", "verboseLabel": "Restricted cash" } } }, "localname": "RestrictedCashAndCashEquivalents", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofCashFlows", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_RetainedEarningsAccumulatedDeficit": { "auth_ref": [ "r20", "r407", "r453", "r581", "r704", "r726", "r731" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 4.0, "parentTag": "us-gaap_StockholdersEquity", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "The cumulative amount of the reporting entity's undistributed earnings or deficit.", "label": "Retained Earnings (Accumulated Deficit)", "verboseLabel": "Retained earnings" } } }, "localname": "RetainedEarningsAccumulatedDeficit", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_RetainedEarningsMember": { "auth_ref": [ "r2", "r110", "r111", "r112", "r115", "r123", "r125", "r266", "r450", "r451", "r452", "r462", "r463", "r534", "r722", "r724" ], "lang": { "en-us": { "role": { "documentation": "The cumulative amount of the reporting entity's undistributed earnings or deficit.", "label": "Retained Earnings [Member]", "terseLabel": "Retained Earnings [Member]" } } }, "localname": "RetainedEarningsMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "domainItemType" }, "us-gaap_RevenueFromContractWithCustomerAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Revenue from Contract with Customer [Abstract]", "terseLabel": "Revenue from Contract with Customer [Abstract]" } } }, "localname": "RevenueFromContractWithCustomerAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax": { "auth_ref": [ "r166", "r167", "r180", "r186", "r187", "r193", "r194", "r196", "r420", "r421", "r633" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount, excluding tax collected from customer, of revenue from satisfaction of performance obligation by transferring promised good or service to customer. Tax collected from customer is tax assessed by governmental authority that is both imposed on and concurrent with specific revenue-producing transaction, including, but not limited to, sales, use, value added and excise.", "label": "Revenue from Contract with Customer, Excluding Assessed Tax", "verboseLabel": "Total other income subject to ASC 606" } } }, "localname": "RevenueFromContractWithCustomerExcludingAssessedTax", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_RevenueFromContractWithCustomerTextBlock": { "auth_ref": [ "r412", "r413", "r414", "r415", "r416", "r417", "r418", "r419", "r422", "r431" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts.", "label": "Revenue from Contract with Customer [Text Block]", "terseLabel": "Revenue from Contracts with Customers" } } }, "localname": "RevenueFromContractWithCustomerTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/RevenuefromContractswithCustomers" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable": { "auth_ref": [ "r35" ], "lang": { "en-us": { "role": { "documentation": "Schedule itemizing specific types of trade accounts and notes receivable, and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.", "label": "Schedule of Accounts, Notes, Loans and Financing Receivable [Table]", "terseLabel": "Schedule of Accounts, Notes, Loans and Financing Receivable [Table]" } } }, "localname": "ScheduleOfAccountsNotesLoansAndFinancingReceivableTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails" ], "xbrltype": "stringItemType" }, "us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock": { "auth_ref": [ "r35" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.", "label": "Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]", "terseLabel": "Schedule of Loan Receivables" } } }, "localname": "ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock": { "auth_ref": [ "r56", "r568", "r569" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of the components of accumulated other comprehensive income (loss).", "label": "Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]", "terseLabel": "Schedule of Changes in Accumulated Other Comprehensive Income (Loss)" } } }, "localname": "ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable": { "auth_ref": [ "r692", "r696" ], "lang": { "en-us": { "role": { "documentation": "A table disclosing the capital amounts and ratios as of the balance sheet date indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.", "label": "Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table]", "verboseLabel": "Schedule of Compliance with Regulatory Capital Requirements [Table]" } } }, "localname": "ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "stringItemType" }, "us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock": { "auth_ref": [ "r692", "r696" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.", "label": "Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]", "terseLabel": "Schedule of Minimum and Well-Capitalized Requirements" } } }, "localname": "ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock": { "auth_ref": [ "r45" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of components of comprehensive income (loss). Includes, but is not limited to, foreign currency translation adjustments, foreign currency transactions designated as economic hedges of a net investment in foreign entity, gain (loss) and prior service cost (credit) for pension plans and other postretirement benefit plans.", "label": "Comprehensive Income (Loss) [Table Text Block]", "terseLabel": "Schedule of Other Comprehensive Income Before Reclassifications and Amounts Reclassified from AOCI" } } }, "localname": "ScheduleOfComprehensiveIncomeLossTableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfDebtInstrumentsTextBlock": { "auth_ref": [ "r30", "r108", "r382", "r384", "r400", "r404", "r405", "r406", "r571", "r572", "r575", "r688" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.", "label": "Schedule of Long-term Debt Instruments [Table Text Block]", "terseLabel": "Schedule of Long-Term Borrowings and Weighted Average Interest Rates" } } }, "localname": "ScheduleOfDebtInstrumentsTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock": { "auth_ref": [ "r498", "r508", "r512" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments.", "label": "Derivative Instruments, Gain (Loss) [Table Text Block]", "verboseLabel": "Schedule of Impact of the Derivative Instruments on Income" } } }, "localname": "ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock": { "auth_ref": [ "r504" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of the location and fair value amounts of derivative instruments (and nonderivative instruments that are designated and qualify as hedging instruments) reported in the statement of financial position.", "label": "Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]", "terseLabel": "Schedule of Fair Value and Outstanding Notional Amounts of Derivative Instruments and Related Collateral Balances" } } }, "localname": "ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock": { "auth_ref": [ "r143" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.", "label": "Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]", "terseLabel": "Schedule of Basic and Diluted EPS" } } }, "localname": "ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/EarningsPerShareTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock": { "auth_ref": [ "r538", "r539" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).", "label": "Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]", "terseLabel": "Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis" } } }, "localname": "ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable": { "auth_ref": [ "r282", "r288" ], "lang": { "en-us": { "role": { "documentation": "Disclosure of information about credit quality indicator for financing receivable.", "label": "Financing Receivable, Credit Quality Indicator [Table]", "terseLabel": "Financing Receivable, Credit Quality Indicator [Table]" } } }, "localname": "ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails" ], "xbrltype": "stringItemType" }, "us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable": { "auth_ref": [ "r207", "r209" ], "lang": { "en-us": { "role": { "documentation": "Disclosure of information about financing receivable modified as troubled debt restructuring.", "label": "Financing Receivable, Troubled Debt Restructuring [Table]", "terseLabel": "Financing Receivable, Troubled Debt Restructuring [Table]" } } }, "localname": "ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails" ], "xbrltype": "stringItemType" }, "us-gaap_ScheduleOfFinancingReceivablesPastDueTable": { "auth_ref": [ "r277", "r289" ], "lang": { "en-us": { "role": { "documentation": "Disclosure of information about aging analysis for financing receivable.", "label": "Financing Receivable, Past Due [Table]", "terseLabel": "Financing Receivable, Past Due [Table]" } } }, "localname": "ScheduleOfFinancingReceivablesPastDueTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails" ], "xbrltype": "stringItemType" }, "us-gaap_ScheduleOfGuaranteeObligationsTable": { "auth_ref": [ "r333" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure about the type or nature of guarantees, for example performance, indemnification, payment and other guarantees, and related information such as term, origin and purpose, triggering event, maximum exposure, and carrying value. Represents the guarantor's disclosures which include the information about each guarantee, or each group of similar guarantees, even if the likelihood of the guarantor's need to make any payments under the guarantee is remote. This excludes disclosures for product warranties.", "label": "Schedule of Guarantor Obligations [Table]", "terseLabel": "Schedule of Guarantor Obligations [Table]" } } }, "localname": "ScheduleOfGuaranteeObligationsTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesTables" ], "xbrltype": "stringItemType" }, "us-gaap_ScheduleOfGuaranteeObligationsTextBlock": { "auth_ref": [ "r333", "r334" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of each guarantee obligation, or each group of similar guarantee obligations, including (a) the nature of the guarantee, including its term, how it arose, and the events or circumstances that would require the guarantor to perform under the guarantee; (b) the maximum potential amount of future payments (undiscounted) the guarantor could be required to make under the guarantee; (c) the current carrying amount of the liability, if any, for the guarantor's obligations under the guarantee; and (d) the nature of any recourse provisions under the guarantee, and any assets held either as collateral or by third parties, and any relevant related party disclosure. Excludes disclosures about product warranties.", "label": "Schedule of Guarantor Obligations [Table Text Block]", "terseLabel": "Schedule of Maximum Potential Counterparty Exposures Related to Settlement Guarantees and Merchant Chargeback Guarantee" } } }, "localname": "ScheduleOfGuaranteeObligationsTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfIndefiniteLivedIntangibleAssetsTable": { "auth_ref": [ "r303", "r305" ], "lang": { "en-us": { "role": { "documentation": "Schedule of assets, excluding financial assets and goodwill, lacking physical substance and exist in perpetuity.", "label": "Schedule of Indefinite-Lived Intangible Assets [Table]", "terseLabel": "Schedule of Indefinite-Lived Intangible Assets [Table]" } } }, "localname": "ScheduleOfIndefiniteLivedIntangibleAssetsTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/IntangibleAssetsDetails" ], "xbrltype": "stringItemType" }, "us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock": { "auth_ref": [ "r336" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of maturity and sinking fund requirement for long-term debt.", "label": "Schedule of Maturities of Long-term Debt [Table Text Block]", "terseLabel": "Schedule of Long-Term Borrowings Maturities" } } }, "localname": "ScheduleOfMaturitiesOfLongTermDebtTableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable": { "auth_ref": [ "r175", "r178", "r184", "r299" ], "lang": { "en-us": { "role": { "documentation": "A table disclosing the profit or loss and total assets for each reportable segment of the entity. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.", "label": "Schedule of Segment Reporting Information, by Segment [Table]", "terseLabel": "Schedule of Segment Reporting Information, by Segment [Table]" } } }, "localname": "ScheduleOfSegmentReportingInformationBySegmentTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "stringItemType" }, "us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock": { "auth_ref": [ "r175", "r178", "r184", "r299" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.", "label": "Schedule of Segment Reporting Information, by Segment [Table Text Block]", "terseLabel": "Schedule of Segment Disclosures" } } }, "localname": "ScheduleOfSegmentReportingInformationBySegmentTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/SegmentDisclosuresTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfStockByClassTable": { "auth_ref": [ "r32", "r101", "r151", "r152", "r387", "r389", "r390", "r392", "r393", "r394", "r395", "r396", "r397", "r398", "r400", "r401", "r403", "r404", "r405", "r406", "r407" ], "lang": { "en-us": { "role": { "documentation": "Schedule detailing information related to equity by class of stock. Class of stock includes common, convertible, and preferred stocks which are not redeemable or redeemable solely at the option of the issuer. It also includes preferred stock with redemption features that are solely within the control of the issuer and mandatorily redeemable stock if redemption is required to occur only upon liquidation or termination of the reporting entity.", "label": "Schedule of Stock by Class [Table]", "terseLabel": "Schedule of Stock by Class [Table]" } } }, "localname": "ScheduleOfStockByClassTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "stringItemType" }, "us-gaap_ScheduleOfStockByClassTextBlock": { "auth_ref": [ "r15", "r16", "r17", "r388", "r389", "r390", "r400", "r401", "r403", "r404", "r405", "r406", "r407" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of an entity's stock, including par or stated value per share, number and dollar amount of share subscriptions, shares authorized, shares issued, shares outstanding, number and dollar amount of shares held in an employee trust, dividend per share, total dividends, share conversion features, par value plus additional paid in capital, the value of treasury stock and other information necessary to a fair presentation, and EPS information. Stock by class includes common, convertible, and preferred stocks which are not redeemable or redeemable solely at the option of the issuer. Includes preferred stock with redemption features that are solely within the control of the issuer and mandatorily redeemable stock if redemption is required to occur only upon liquidation or termination of the reporting entity. If more than one issue is outstanding, state the title of each issue and the corresponding dollar amount; dollar amount of any shares subscribed but unissued and the deduction of subscriptions receivable there from; number of shares authorized, issued, and outstanding.", "label": "Schedule of Stock by Class [Table Text Block]", "terseLabel": "Schedule of Stock by Class" } } }, "localname": "ScheduleOfStockByClassTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/PreferredStockTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_ScheduleOfVariableInterestEntitiesTable": { "auth_ref": [ "r477", "r478", "r481", "r482", "r483", "r484", "r485", "r486", "r487" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of qualitative and quantitative information related to variable interests the entity holds, whether or not such variable interest entity (VIE) is included in the reporting entity's consolidated financial statements. Includes, but is not limited to, description of the significant judgments and assumptions made in determining whether a variable interest (as defined) held by the entity requires the variable interest entity (VIE) (as defined) to be consolidated and (or) disclose information about its involvement with the VIE, individually or in aggregate (as applicable); the nature of restrictions, if any, on the consolidated VIE's assets and on the settlement of its liabilities reported by an entity in its statement of financial position, including the carrying amounts of such assets and liabilities; the nature of, and changes in, the risks associated with involvement in the VIE; how involvement with the VIE affects the entity's financial position, financial performance, and cash flows; the lack of recourse if creditors (or beneficial interest holders) of the consolidated VIE have no recourse to the general credit of the primary beneficiary (if applicable); the terms of arrangements, giving consideration to both explicit arrangements and implicit variable interests, if any, that could require the entity to provide financial support to the VIE, including events or circumstances that could expose the entity to a loss; the methodology used by the entity for determining whether or not it is the primary beneficiary of the variable interest entity; the significant factors considered and judgments made in determining that the power to direct the activities of a VIE that most significantly impact the VIE's economic performance are shared (as defined); the carrying amounts and classification of assets and liabilities of the VIE included in the statement of financial position; the entity's maximum exposure to loss, if any, as a result of its involvement with the VIE, including how the maximum exposure is determined and significant sources of the entity's exposure to the VIE; a tabular comparison of the carrying amounts of the assets and liabilities and the entity's maximum exposure to loss; information about any liquidity arrangements, guarantees, and (or) other commitments by third parties that may affect the fair value or risk of the entity's variable interest in the VIE; whether or not the entity has provided financial support or other support (explicitly or implicitly) to the VIE that it was not previously contractually required to provide or whether the entity intends to provide that support, including the type and amount of the support and the primary reasons for providing the support; and supplemental information the entity determines necessary to provide.", "label": "Schedule of Variable Interest Entities [Table]", "terseLabel": "Schedule of Variable Interest Entities [Table]" } } }, "localname": "ScheduleOfVariableInterestEntitiesTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails" ], "xbrltype": "stringItemType" }, "us-gaap_SecuredDebtMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Collateralized debt obligation backed by, for example, but not limited to, pledge, mortgage or other lien on the entity's assets.", "label": "Secured Debt [Member]", "terseLabel": "Securitized Debt [Member]" } } }, "localname": "SecuredDebtMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsNarrativeDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_SegmentDomain": { "auth_ref": [ "r162", "r166", "r167", "r168", "r169", "r170", "r171", "r172", "r173", "r174", "r175", "r176", "r177", "r180", "r181", "r182", "r183", "r185", "r186", "r187", "r188", "r189", "r191", "r196", "r313", "r314", "r717" ], "lang": { "en-us": { "role": { "documentation": "Components of an entity that engage in business activities from which they may earn revenue and incur expenses, including transactions with other components of the same entity.", "label": "Segments [Domain]", "terseLabel": "Segments [Domain]", "verboseLabel": "Reporting Segment [Domain]" } } }, "localname": "SegmentDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "us-gaap_SegmentReportingAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Segment Reporting [Abstract]", "terseLabel": "Segment Reporting [Abstract]" } } }, "localname": "SegmentReportingAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_SegmentReportingDisclosureTextBlock": { "auth_ref": [ "r162", "r164", "r165", "r175", "r179", "r185", "r189", "r190", "r191", "r192", "r193", "r195", "r196", "r197" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.", "label": "Segment Reporting Disclosure [Text Block]", "terseLabel": "Segment Disclosures" } } }, "localname": "SegmentReportingDisclosureTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/SegmentDisclosures" ], "xbrltype": "textBlockItemType" }, "us-gaap_SegmentReportingInformationLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Segment Reporting Information [Line Items]", "terseLabel": "Segment Reporting Information [Line Items]" } } }, "localname": "SegmentReportingInformationLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "stringItemType" }, "us-gaap_SeniorNotesMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Bond that takes priority over other debt securities sold by the issuer. In the event the issuer goes bankrupt, senior debt holders receive priority for (must receive) repayment prior to (relative to) junior and unsecured (general) creditors.", "label": "Senior Notes [Member]", "terseLabel": "Senior Notes [Member]" } } }, "localname": "SeniorNotesMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_SeriesCPreferredStockMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Outstanding nonredeemable series C preferred stock or outstanding series C preferred stock. Classified within stockholders' equity if nonredeemable or redeemable solely at the option of the issuer. Classified within temporary equity if redemption is outside the control of the issuer.", "label": "Series C Preferred Stock [Member]", "terseLabel": "Series C Preferred Stock [Member]" } } }, "localname": "SeriesCPreferredStockMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquityParenthetical", "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "domainItemType" }, "us-gaap_SeriesDPreferredStockMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Outstanding nonredeemable series D preferred stock or outstanding series D preferred stock. Classified within stockholders' equity if nonredeemable or redeemable solely at the option of the issuer. Classified within temporary equity if redemption is outside the control of the issuer.", "label": "Series D Preferred Stock [Member]", "terseLabel": "Series D Preferred Stock" } } }, "localname": "SeriesDPreferredStockMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquityParenthetical", "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "domainItemType" }, "us-gaap_ShorttermDebtFairValue": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount of short-term debt existing as of the balance sheet date.", "label": "Short-term Debt, Fair Value", "terseLabel": "Short-term debt, fair value" } } }, "localname": "ShorttermDebtFairValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_StatementBusinessSegmentsAxis": { "auth_ref": [ "r5", "r162", "r166", "r167", "r168", "r169", "r170", "r171", "r172", "r173", "r174", "r175", "r176", "r177", "r180", "r181", "r182", "r183", "r185", "r186", "r187", "r188", "r189", "r191", "r196", "r299", "r311", "r313", "r314", "r717" ], "lang": { "en-us": { "role": { "documentation": "Information by business segments.", "label": "Segments [Axis]", "terseLabel": "Segments [Axis]", "verboseLabel": "Segment Reporting Information, by Segment [Axis]" } } }, "localname": "StatementBusinessSegmentsAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsNarrativeDetails", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "stringItemType" }, "us-gaap_StatementClassOfStockAxis": { "auth_ref": [ "r15", "r16", "r17", "r101", "r103", "r131", "r132", "r137", "r141", "r143", "r151", "r152", "r153", "r259", "r339", "r344", "r345", "r346", "r352", "r353", "r392", "r393", "r396", "r397", "r399", "r553", "r764" ], "lang": { "en-us": { "role": { "documentation": "Information by the different classes of stock of the entity.", "label": "Class of Stock [Axis]", "terseLabel": "Class of Stock [Axis]" } } }, "localname": "StatementClassOfStockAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquityParenthetical", "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "stringItemType" }, "us-gaap_StatementEquityComponentsAxis": { "auth_ref": [ "r2", "r34", "r65", "r66", "r67", "r110", "r111", "r112", "r115", "r123", "r125", "r150", "r266", "r399", "r407", "r450", "r451", "r452", "r462", "r463", "r534", "r563", "r564", "r565", "r566", "r567", "r569", "r722", "r723", "r724", "r786" ], "lang": { "en-us": { "role": { "documentation": "Information by component of equity.", "label": "Equity Components [Axis]", "terseLabel": "Equity Components [Axis]" } } }, "localname": "StatementEquityComponentsAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/AccumulatedOtherComprehensiveIncomeScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "stringItemType" }, "us-gaap_StatementLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Statement [Line Items]", "terseLabel": "Statement [Line Items]" } } }, "localname": "StatementLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquityParenthetical", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "stringItemType" }, "us-gaap_StatementOfCashFlowsAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Statement of Cash Flows [Abstract]", "terseLabel": "Statement of Cash Flows [Abstract]" } } }, "localname": "StatementOfCashFlowsAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_StatementOfFinancialPositionAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Statement of Financial Position [Abstract]", "terseLabel": "Statement of Financial Position [Abstract]" } } }, "localname": "StatementOfFinancialPositionAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Statement of Comprehensive Income [Abstract]", "terseLabel": "Statement of Comprehensive Income [Abstract]" } } }, "localname": "StatementOfIncomeAndComprehensiveIncomeAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_StatementOfStockholdersEquityAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Statement of Stockholders' Equity [Abstract]", "terseLabel": "Statement of Stockholders' Equity [Abstract]" } } }, "localname": "StatementOfStockholdersEquityAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_StatementTable": { "auth_ref": [ "r110", "r111", "r112", "r150", "r633" ], "lang": { "en-us": { "role": { "documentation": "Schedule reflecting a Statement of Income, Statement of Cash Flows, Statement of Financial Position, Statement of Shareholders' Equity and Other Comprehensive Income, or other statement as needed.", "label": "Statement [Table]", "terseLabel": "Statement [Table]" } } }, "localname": "StatementTable", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquityParenthetical", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "stringItemType" }, "us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Number of shares issued during the period to an employee benefit plan, such as a defined contribution or defined benefit plan.", "label": "Stock Issued During Period, Shares, Employee Benefit Plan", "terseLabel": "Common stock issued under employee benefit plans (in shares)" } } }, "localname": "StockIssuedDuringPeriodSharesEmployeeBenefitPlan", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "sharesItemType" }, "us-gaap_StockIssuedDuringPeriodSharesNewIssues": { "auth_ref": [ "r16", "r17", "r399", "r407" ], "lang": { "en-us": { "role": { "documentation": "Number of new stock issued during the period.", "label": "Stock Issued During Period, Shares, New Issues", "terseLabel": "Stock Issued During Period, Shares, New Issues" } } }, "localname": "StockIssuedDuringPeriodSharesNewIssues", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "sharesItemType" }, "us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation": { "auth_ref": [ "r16", "r17", "r399", "r407" ], "lang": { "en-us": { "role": { "documentation": "Number, after forfeiture, of shares or units issued under share-based payment arrangement. Excludes shares or units issued under employee stock ownership plan (ESOP).", "label": "Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture", "terseLabel": "Common stock issued and stock-based compensation expense (in shares)" } } }, "localname": "StockIssuedDuringPeriodSharesShareBasedCompensation", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "sharesItemType" }, "us-gaap_StockIssuedDuringPeriodValueEmployeeBenefitPlan": { "auth_ref": [], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Value of shares issued during the period to an employee benefit plan, such as a defined contribution or defined benefit plan.", "label": "Stock Issued During Period, Value, Employee Benefit Plan", "terseLabel": "Common stock issued under employee benefit plans" } } }, "localname": "StockIssuedDuringPeriodValueEmployeeBenefitPlan", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "monetaryItemType" }, "us-gaap_StockIssuedDuringPeriodValueNewIssues": { "auth_ref": [ "r16", "r17", "r399", "r407" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.", "label": "Stock Issued During Period, Value, New Issues", "terseLabel": "Stock Issued During Period, Value, New Issues" } } }, "localname": "StockIssuedDuringPeriodValueNewIssues", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "monetaryItemType" }, "us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation": { "auth_ref": [ "r16", "r17", "r407", "r444", "r445" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Value, after forfeiture, of shares issued under share-based payment arrangement. Excludes employee stock ownership plan (ESOP).", "label": "Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture", "terseLabel": "Common stock issued and stock-based compensation expense" } } }, "localname": "StockIssuedDuringPeriodValueShareBasedCompensation", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "monetaryItemType" }, "us-gaap_StockholdersEquity": { "auth_ref": [ "r17", "r22", "r23", "r103", "r215", "r259", "r553", "r581" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 3.0, "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.", "label": "Stockholders' Equity Attributable to Parent", "periodEndLabel": "Stockholders' equity, balance at end of period", "periodStartLabel": "Stockholders' equity, balance at beginning of period", "totalLabel": "Total stockholders' equity" } } }, "localname": "StockholdersEquity", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_StockholdersEquityAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Stockholders' Equity Attributable to Parent [Abstract]", "terseLabel": "Stockholders' Equity" } } }, "localname": "StockholdersEquityAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "stringItemType" }, "us-gaap_StudentLoanMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Loan to finance tuition costs.", "label": "Student Loan [Member]", "terseLabel": "Private Student Loans [Member]", "verboseLabel": "Private Student Loans [Member]" } } }, "localname": "StudentLoanMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LoanReceivablesNarrativeDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofChangesintheAllowanceforCreditLossesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofCreditRiskProfilebyFICOScoreandOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentLoansbyOriginationYearDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofDelinquentandNonAccruingLoansDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoansThatEnteredaModificationProgramDuringthePeriodDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofTroubledDebtRestructuringsThatSubsequentlyDefaultedDetails", "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "us-gaap_SubordinatedDebtMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "This element represents domestic or foreign subordinated debt. Subordinated debt has a lower priority of repayment in liquidation of the entity's assets.", "label": "Subordinated Debt [Member]", "terseLabel": "Subordinated Debt [Member]" } } }, "localname": "SubordinatedDebtMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_SubsequentEventsAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Subsequent Events [Abstract]", "terseLabel": "Subsequent Events [Abstract]" } } }, "localname": "SubsequentEventsAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "xbrltype": "stringItemType" }, "us-gaap_SubsequentEventsTextBlock": { "auth_ref": [ "r582", "r583" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for significant events or transactions that occurred after the balance sheet date through the date the financial statements were issued or the date the financial statements were available to be issued. Examples include: the sale of a capital stock issue, purchase of a business, settlement of litigation, catastrophic loss, significant foreign exchange rate changes, loans to insiders or affiliates, and transactions not in the ordinary course of business.", "label": "Subsequent Events [Text Block]", "terseLabel": "Subsequent Events" } } }, "localname": "SubsequentEventsTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/SubsequentEvents" ], "xbrltype": "textBlockItemType" }, "us-gaap_TierOneLeverageCapital": { "auth_ref": [ "r692" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of Tier 1 leverage capital as defined by regulatory framework.", "label": "Banking Regulation, Tier One Leverage Capital, Actual", "terseLabel": "Tier I capital to average assets, actual amount" } } }, "localname": "TierOneLeverageCapital", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy": { "auth_ref": [ "r692", "r696" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of minimum Tier 1 leverage capital required for capital adequacy as defined by regulatory framework.", "label": "Banking Regulation, Tier One Leverage Capital, Capital Adequacy, Minimum", "terseLabel": "Tier I capital to average assets, minimum capital requirements, amount" } } }, "localname": "TierOneLeverageCapitalRequiredForCapitalAdequacy", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets": { "auth_ref": [ "r692", "r696" ], "lang": { "en-us": { "role": { "documentation": "Ratio of minimum Tier 1 leverage capital to average assets required for capital adequacy as defined by regulatory framework.", "label": "Banking Regulation, Tier One Leverage Capital Ratio, Capital Adequacy, Minimum", "terseLabel": "Tier I capital to average assets, minimum capital requirements, ratio (in percent)" } } }, "localname": "TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "pureItemType" }, "us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized": { "auth_ref": [ "r692" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of minimum Tier 1 leverage capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.", "label": "Banking Regulation, Tier One Leverage Capital, Well Capitalized, Minimum", "terseLabel": "Tier I capital to average assets, capital requirements to be classified as well-capitalized, amount" } } }, "localname": "TierOneLeverageCapitalRequiredToBeWellCapitalized", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets": { "auth_ref": [ "r692" ], "lang": { "en-us": { "role": { "documentation": "Ratio of minimum Tier 1 leverage capital to average assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.", "label": "Banking Regulation, Tier One Leverage Capital Ratio, Well Capitalized, Minimum", "terseLabel": "Tier I capital to average assets, capital requirements to be classified as well-capitalized, ratio (in percent)" } } }, "localname": "TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "pureItemType" }, "us-gaap_TierOneLeverageCapitalToAverageAssets": { "auth_ref": [ "r692" ], "lang": { "en-us": { "role": { "documentation": "Ratio of Tier 1 capital to average assets as defined by regulatory framework.", "label": "Banking Regulation, Tier One Leverage Capital Ratio, Actual", "terseLabel": "Tier I capital to average assets, actual ratio (in percent)" } } }, "localname": "TierOneLeverageCapitalToAverageAssets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "pureItemType" }, "us-gaap_TierOneRiskBasedCapital": { "auth_ref": [ "r692" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of Tier 1 risk-based capital as defined by regulatory framework.", "label": "Banking Regulation, Tier One Risk-Based Capital, Actual", "terseLabel": "Tier I capital to risk-weighted assets, actual amount" } } }, "localname": "TierOneRiskBasedCapital", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy": { "auth_ref": [ "r692", "r696" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of minimum Tier 1 risk-based capital required for capital adequacy as defined by regulatory framework.", "label": "Banking Regulation, Tier One Risk-Based Capital, Capital Adequacy, Minimum", "terseLabel": "Tier I capital to risk-weighted assets, minimum capital requirements, amount" } } }, "localname": "TierOneRiskBasedCapitalRequiredForCapitalAdequacy", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets": { "auth_ref": [ "r692", "r696" ], "lang": { "en-us": { "role": { "documentation": "Ratio of minimum Tier 1 risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework.", "label": "Banking Regulation, Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum", "terseLabel": "Tier I capital to risk-weighted assets, minimum capital requirements, ratio (in percent)" } } }, "localname": "TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "pureItemType" }, "us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized": { "auth_ref": [ "r692" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of minimum Tier 1 risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.", "label": "Banking Regulation, Tier One Risk-Based Capital, Well Capitalized, Minimum", "terseLabel": "Tier I capital to risk-weighted assets, capital requirements to be classified as well-capitalized, amount" } } }, "localname": "TierOneRiskBasedCapitalRequiredToBeWellCapitalized", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets": { "auth_ref": [ "r692" ], "lang": { "en-us": { "role": { "documentation": "Ratio of minimum Tier 1 risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.", "label": "Banking Regulation, Tier One Risk-Based Capital Ratio, Well Capitalized, Minimum", "terseLabel": "Tier I capital to risk-weighted assets, capital requirements to be classified as well-capitalized, ratio (in percent)" } } }, "localname": "TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "pureItemType" }, "us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets": { "auth_ref": [ "r692" ], "lang": { "en-us": { "role": { "documentation": "Ratio of Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework.", "label": "Banking Regulation, Tier One Risk-Based Capital Ratio, Actual", "terseLabel": "Tier I capital to risk-weighted assets, actual ratio (in percent)" } } }, "localname": "TierOneRiskBasedCapitalToRiskWeightedAssets", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CapitalAdequacyScheduleofMinimumandWellCapitalizedRequirementsDetails" ], "xbrltype": "pureItemType" }, "us-gaap_TimeDepositMaturitiesRemainderOfFiscalYear": { "auth_ref": [], "calculation": { "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails": { "order": 1.0, "parentTag": "us-gaap_TimeDeposits", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit maturing in remainder of current fiscal year. Time deposit includes, but is not limited to, certificate of deposit.", "label": "Time Deposit Maturities, Remainder of Fiscal Year", "terseLabel": "2021" } } }, "localname": "TimeDepositMaturitiesRemainderOfFiscalYear", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TimeDepositMaturitiesTableTextBlock": { "auth_ref": [ "r336" ], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of time deposit liability maturities.", "label": "Time Deposit Maturities [Table Text Block]", "terseLabel": "Schedule of Certificates of Deposit Maturities" } } }, "localname": "TimeDepositMaturitiesTableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_TimeDepositMaturitiesYearFour": { "auth_ref": [ "r336" ], "calculation": { "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails": { "order": 5.0, "parentTag": "us-gaap_TimeDeposits", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit maturing in fourth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Time Deposit Maturities, Year Four", "terseLabel": "2025" } } }, "localname": "TimeDepositMaturitiesYearFour", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TimeDepositMaturitiesYearOne": { "auth_ref": [ "r336" ], "calculation": { "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails": { "order": 2.0, "parentTag": "us-gaap_TimeDeposits", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit maturing in next fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Time Deposit Maturities, Year One", "terseLabel": "2022" } } }, "localname": "TimeDepositMaturitiesYearOne", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TimeDepositMaturitiesYearThree": { "auth_ref": [ "r336" ], "calculation": { "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails": { "order": 4.0, "parentTag": "us-gaap_TimeDeposits", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit maturing in third fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Time Deposit Maturities, Year Three", "terseLabel": "2024" } } }, "localname": "TimeDepositMaturitiesYearThree", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TimeDepositMaturitiesYearTwo": { "auth_ref": [ "r336" ], "calculation": { "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails": { "order": 3.0, "parentTag": "us-gaap_TimeDeposits", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit maturing in second fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).", "label": "Time Deposit Maturities, Year Two", "terseLabel": "2023" } } }, "localname": "TimeDepositMaturitiesYearTwo", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TimeDeposits": { "auth_ref": [ "r648", "r687" ], "calculation": { "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails": { "order": null, "parentTag": null, "root": true, "weight": null } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit liabilities, including certificates of deposit.", "label": "Time Deposits", "totalLabel": "Total" } } }, "localname": "TimeDeposits", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleofCertificatesofDepositMaturitiesDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TimeDeposits100000OrMore": { "auth_ref": [ "r762" ], "calculation": { "http://www.discovercard.com/role/DepositsScheduleof100000orMoreCertificatesofDepositMaturitiesDetails": { "order": null, "parentTag": null, "root": true, "weight": null }, "http://www.discovercard.com/role/DepositsScheduleofInterestBearingDepositAccountsDetails": { "order": 2.0, "parentTag": "us-gaap_InterestBearingDepositLiabilities", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit liabilities, including certificates of deposit, in denominations of $100,000 or more.", "label": "Time Deposits, $100,000 or More", "terseLabel": "Certificates of deposit in amounts $100,000 or greater", "totalLabel": "Total" } } }, "localname": "TimeDeposits100000OrMore", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleof100000orMoreCertificatesofDepositMaturitiesDetails", "http://www.discovercard.com/role/DepositsScheduleofInterestBearingDepositAccountsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TimeDepositsAtOrAboveFDICInsuranceLimit": { "auth_ref": [ "r687" ], "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit liabilities, including certificates of deposit, in denominations that meet or exceed the Federal Deposit Insurance Corporation (FDIC) insurance limit.", "label": "Time Deposits, at or Above FDIC Insurance Limit", "terseLabel": "Certificates of deposit equal to or greater than $250,000" } } }, "localname": "TimeDepositsAtOrAboveFDICInsuranceLimit", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleofInterestBearingDepositAccountsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TimeDepositsLessThan100000": { "auth_ref": [ "r762" ], "calculation": { "http://www.discovercard.com/role/DepositsScheduleofInterestBearingDepositAccountsDetails": { "order": 1.0, "parentTag": "us-gaap_InterestBearingDepositLiabilities", "weight": 1.0 } }, "crdr": "credit", "lang": { "en-us": { "role": { "documentation": "Amount of time deposit liabilities, including certificates of deposit, in denominations of less than $100,000.", "label": "Time Deposits, Less than $100,000", "terseLabel": "Certificates of deposit in amounts less than $100,000" } } }, "localname": "TimeDepositsLessThan100000", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DepositsScheduleofInterestBearingDepositAccountsDetails" ], "xbrltype": "monetaryItemType" }, "us-gaap_TradeNamesMember": { "auth_ref": [ "r474" ], "lang": { "en-us": { "role": { "documentation": "Rights acquired through registration of a business name to gain or protect exclusive use thereof.", "label": "Trade Names [Member]", "terseLabel": "Trade Names [Member]" } } }, "localname": "TradeNamesMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/IntangibleAssetsDetails" ], "xbrltype": "domainItemType" }, "us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock": { "auth_ref": [ "r584", "r585", "r590", "r594", "r595", "r596", "r601", "r603", "r605", "r606", "r608", "r609", "r610", "r611", "r612", "r617", "r618", "r625", "r627", "r631" ], "lang": { "en-us": { "role": { "documentation": "The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.", "label": "Transfers and Servicing of Financial Assets [Text Block]", "verboseLabel": "Credit Card and Private Student Loan Securitization Activities" } } }, "localname": "TransfersAndServicingOfFinancialAssetsTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivities" ], "xbrltype": "textBlockItemType" }, "us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain": { "auth_ref": [ "r240", "r244", "r254", "r255", "r256", "r380", "r398", "r525", "r584", "r585", "r586", "r587", "r588", "r589", "r591", "r592", "r593", "r597", "r598", "r599", "r600", "r604", "r607", "r613", "r614", "r615", "r616", "r619", "r620", "r621", "r622", "r623", "r624", "r625", "r626", "r628", "r629", "r630", "r764", "r765", "r766", "r767", "r768", "r769", "r770" ], "lang": { "en-us": { "role": { "documentation": "Instrument or contract that imposes a contractual obligation to deliver cash or another financial instrument or to exchange other financial instruments on potentially unfavorable terms and conveys a contractual right to receive cash or another financial instrument or to exchange other financial instruments on potentially favorable terms.", "label": "Financial Instruments [Domain]", "terseLabel": "Financial Instruments [Domain]" } } }, "localname": "TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CommitmentsContingenciesandGuaranteesNarrativeDetails", "http://www.discovercard.com/role/FairValueMeasurementsNarrativeDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails", "http://www.discovercard.com/role/InvestmentsNarrativeDetails", "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails", "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_TreasuryStockMember": { "auth_ref": [ "r33", "r409" ], "lang": { "en-us": { "role": { "documentation": "Shares of an entity that have been repurchased by the entity. This stock has no voting rights and receives no dividends. Note that treasury stock may be recorded at its total cost or separately as par (or stated) value and additional paid in capital. Classified within stockholders' equity if nonredeemable or redeemable solely at the option of the issuer. Classified within temporary equity if redemption is outside the control of the issuer.", "label": "Treasury Stock [Member]", "terseLabel": "Treasury Stock [Member]" } } }, "localname": "TreasuryStockMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "domainItemType" }, "us-gaap_TreasuryStockShares": { "auth_ref": [ "r33", "r409" ], "lang": { "en-us": { "role": { "documentation": "Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.", "label": "Treasury Stock, Shares", "terseLabel": "Treasury Stock, Shares" } } }, "localname": "TreasuryStockShares", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialConditionParenthetical" ], "xbrltype": "sharesItemType" }, "us-gaap_TreasuryStockValue": { "auth_ref": [ "r33", "r409", "r410" ], "calculation": { "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition": { "order": 6.0, "parentTag": "us-gaap_StockholdersEquity", "weight": -1.0 } }, "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.", "label": "Treasury Stock, Value", "negatedLabel": "Treasury stock, at cost; 274,001,084 and 261,300,765 shares at September\u00a030, 2021 and December\u00a031, 2020, respectively" } } }, "localname": "TreasuryStockValue", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition" ], "xbrltype": "monetaryItemType" }, "us-gaap_TreasuryStockValueAcquiredCostMethod": { "auth_ref": [ "r399", "r407", "r409" ], "crdr": "debit", "lang": { "en-us": { "role": { "documentation": "Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.", "label": "Treasury Stock, Value, Acquired, Cost Method", "negatedLabel": "Purchases of treasury stock" } } }, "localname": "TreasuryStockValueAcquiredCostMethod", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity" ], "xbrltype": "monetaryItemType" }, "us-gaap_TypeOfAdoptionMember": { "auth_ref": [ "r0", "r1", "r2", "r3", "r4", "r114", "r115", "r116", "r117", "r126", "r217", "r218", "r263", "r264", "r265", "r266", "r267", "r268", "r338", "r446", "r447", "r448", "r449", "r450", "r451", "r452", "r453", "r460", "r461", "r462", "r463", "r526", "r527", "r528", "r529", "r530", "r531", "r532", "r533", "r534", "r535", "r536", "r554", "r555", "r556", "r557", "r558", "r559", "r560", "r561", "r577", "r634", "r635", "r636", "r720", "r721", "r722", "r723", "r724", "r725", "r726", "r727", "r728", "r729", "r730", "r731", "r782", "r783", "r784", "r785", "r786" ], "lang": { "en-us": { "role": { "documentation": "Amendment to accounting standards.", "label": "Accounting Standards Update [Domain]", "terseLabel": "Type of Adoption [Domain]" } } }, "localname": "TypeOfAdoptionMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity", "http://www.discovercard.com/role/RevenuefromContractswithCustomersScheduleofRevenuefromContractswithCustomersDisaggregatedbyBusinessSegmentDetails" ], "xbrltype": "domainItemType" }, "us-gaap_USTreasuryAndGovernmentMember": { "auth_ref": [ "r433", "r675", "r732" ], "lang": { "en-us": { "role": { "documentation": "This category includes investments in debt securities issued by the United States Department of the Treasury, US Government Agencies and US Government-sponsored Enterprises. Such securities may include treasury bills (short-term maturities - one year or less), treasury notes (intermediate term maturities - two to ten years), and treasury bonds (long-term maturities - ten to thirty years), debt securities issued by the Government National Mortgage Association (Ginnie Mae) and debt securities issued by the Federal National Mortgage Association (Fannie Mae) or the Federal Home Loan Mortgage Corporation (Freddie Mac).", "label": "US Treasury and Government [Member]", "terseLabel": "US Treasury and Government" } } }, "localname": "USTreasuryAndGovernmentMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "http://www.discovercard.com/role/InvestmentsNarrativeDetails", "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails", "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_USTreasuryBillSecuritiesMember": { "auth_ref": [ "r675" ], "lang": { "en-us": { "role": { "documentation": "This category includes information about negotiable debt securities issued by the United States Department of the Treasury which generally have maturities of one year or less, are interest bearing, and are backed by the full faith and credit of the United States government.", "label": "US Treasury Bill Securities [Member]", "terseLabel": "US Treasury Bill Securities [Member]" } } }, "localname": "USTreasuryBillSecuritiesMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_USTreasurySecuritiesMember": { "auth_ref": [ "r107", "r433", "r441", "r675" ], "lang": { "en-us": { "role": { "documentation": "This category includes information about debt securities issued by the United States Department of the Treasury and backed by the United States government. Such securities primarily consist of treasury bills (short-term maturities - one year or less), treasury notes (intermediate term maturities - two to ten years), and treasury bonds (long-term maturities - ten to thirty years).", "label": "US Treasury Securities [Member]", "terseLabel": "U.S. Treasury Securities [Member]" } } }, "localname": "USTreasurySecuritiesMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/FairValueMeasurementsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails", "http://www.discovercard.com/role/InvestmentsNarrativeDetails", "http://www.discovercard.com/role/InvestmentsScheduleofAmortizedCostGrossUnrealizedGainsGrossUnrealizedLossesandFairValueDetails", "http://www.discovercard.com/role/InvestmentsScheduleofInvestmentSecuritiesDetails", "http://www.discovercard.com/role/InvestmentsScheduleofMaturitiesofAvailableforSaleDebtSecuritiesandHeldtoMaturityDebtSecuritiesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_UnallocatedFinancingReceivablesMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Financing receivables that have not been allocated to a portfolio segment.", "label": "Unallocated Financing Receivables [Member]", "terseLabel": "Unallocated Financing Receivables" } } }, "localname": "UnallocatedFinancingReceivablesMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/SegmentDisclosuresScheduleofSegmentDisclosuresDetails" ], "xbrltype": "domainItemType" }, "us-gaap_UnderlyingAssetClassAxis": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Information by underlying asset class.", "label": "Underlying Asset Class [Axis]", "terseLabel": "Underlying Asset Class [Axis]" } } }, "localname": "UnderlyingAssetClassAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesDerivativesandHedgingActivitiesScheduleofHedgedItemsinaFairValueHedgingRelationshipDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "stringItemType" }, "us-gaap_UnderlyingAssetClassDomain": { "auth_ref": [ "r514" ], "lang": { "en-us": { "role": { "documentation": "Major types of referenced/underlying asset classes (for example, corporate debt, sovereign debt, and structured finance).", "label": "Underlying Asset Class [Domain]", "terseLabel": "Underlying Asset Class [Domain]" } } }, "localname": "UnderlyingAssetClassDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/DerivativesandHedgingActivitiesDerivativesandHedgingActivitiesScheduleofHedgedItemsinaFairValueHedgingRelationshipDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesNarrativeDetails", "http://www.discovercard.com/role/DerivativesandHedgingActivitiesScheduleofImpactoftheDerivativeInstrumentsonIncomeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_UnfavorableRegulatoryActionMember": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "A enacted or proposed action, ruling or regulation that is likely to or possibly will have an adverse effect on the entity's financial position or results of operations, excluding tax matters.", "label": "Unfavorable Regulatory Action [Member]", "terseLabel": "Unfavorable Regulatory Action [Member]" } } }, "localname": "UnfavorableRegulatoryActionMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LitigationandRegulatoryMattersNarrativeDetails" ], "xbrltype": "domainItemType" }, "us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Tabular disclosure of unrealized gains and losses on investments.", "label": "Unrealized Gain (Loss) on Investments [Table Text Block]", "terseLabel": "Schedule of Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Fair Value" } } }, "localname": "UnrealizedGainLossOnInvestmentsTableTextBlock", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/InvestmentsTables" ], "xbrltype": "textBlockItemType" }, "us-gaap_UseOfEstimates": { "auth_ref": [ "r154", "r155", "r156", "r157", "r158", "r159", "r160" ], "lang": { "en-us": { "role": { "documentation": "Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.", "label": "Use of Estimates, Policy [Policy Text Block]", "terseLabel": "Use of estimates" } } }, "localname": "UseOfEstimates", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/BackgroundandBasisofPresentationPolicies" ], "xbrltype": "textBlockItemType" }, "us-gaap_VariableInterestEntityLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Variable Interest Entity [Line Items]", "terseLabel": "Variable Interest Entity [Line Items]" } } }, "localname": "VariableInterestEntityLineItems", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails" ], "xbrltype": "stringItemType" }, "us-gaap_VariableInterestEntityPrimaryBeneficiaryMember": { "auth_ref": [ "r477", "r478", "r481", "r482", "r483" ], "lang": { "en-us": { "role": { "documentation": "Variable Interest Entities (VIE) in which the entity has a controlling financial interest (as defined) and of which it is therefore the primary beneficiary. A controlling financial interest is determined based on both: (a) the entity's power to direct activities of the VIE that most significantly impact the VIE's economic performance and (b) the entity's obligation to absorb losses of the VIE that could potentially be significant to the VIE or the right to receive benefits from the VIE that could potentially be significant to the VIE. VIEs of which the entity is the primary beneficiary are included in the consolidated financial statements of the entity.", "label": "Variable Interest Entity, Primary Beneficiary [Member]", "terseLabel": "Variable Interest Entity, Primary Beneficiary [Member]" } } }, "localname": "VariableInterestEntityPrimaryBeneficiaryMember", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/CondensedConsolidatedStatementsofFinancialCondition", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesNarrativeDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedCreditCardSecuritizedAssetsDetails", "http://www.discovercard.com/role/CreditCardandPrivateStudentLoanSecuritizationActivitiesScheduleofRestrictedStudentLoanSecuritizedAssetsDetails", "http://www.discovercard.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsMeasuredatOtherThanFairValueDetails", "http://www.discovercard.com/role/LoanReceivablesScheduleofLoanReceivablesDetails", "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails" ], "xbrltype": "domainItemType" }, "us-gaap_VariableRateAxis": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Information by type of variable rate.", "label": "Variable Rate [Axis]", "terseLabel": "Variable Rate [Axis]" } } }, "localname": "VariableRateAxis", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails", "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "stringItemType" }, "us-gaap_VariableRateDomain": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Interest rate that fluctuates over time as a result of an underlying benchmark interest rate or index.", "label": "Variable Rate [Domain]", "terseLabel": "Variable Rate [Domain]" } } }, "localname": "VariableRateDomain", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/LongTermBorrowingsScheduleofLongTermBorrowingsandWeightedAverageInterestRatesDetails", "http://www.discovercard.com/role/PreferredStockDetails" ], "xbrltype": "domainItemType" }, "us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment": { "auth_ref": [ "r143" ], "calculation": { "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails": { "order": 2.0, "parentTag": "us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding", "weight": 1.0 } }, "lang": { "en-us": { "role": { "documentation": "The sum of dilutive potential common shares or units used in the calculation of the diluted per-share or per-unit computation.", "label": "Weighted Average Number Diluted Shares Outstanding Adjustment", "terseLabel": "Effect of dilutive common stock equivalents" } } }, "localname": "WeightedAverageNumberDilutedSharesOutstandingAdjustment", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "sharesItemType" }, "us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding": { "auth_ref": [ "r130", "r143" ], "calculation": { "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails": { "order": null, "parentTag": null, "root": true, "weight": null } }, "lang": { "en-us": { "role": { "documentation": "The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.", "label": "Weighted Average Number of Shares Outstanding, Diluted", "totalLabel": "Weighted-average shares of common stock outstanding and common stock equivalents" } } }, "localname": "WeightedAverageNumberOfDilutedSharesOutstanding", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "sharesItemType" }, "us-gaap_WeightedAverageNumberOfSharesOutstandingBasic": { "auth_ref": [ "r128", "r143" ], "calculation": { "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails": { "order": 1.0, "parentTag": "us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding", "weight": 1.0 } }, "lang": { "en-us": { "role": { "documentation": "Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.", "label": "Weighted Average Number of Shares Outstanding, Basic", "terseLabel": "Weighted-average shares of common stock outstanding" } } }, "localname": "WeightedAverageNumberOfSharesOutstandingBasic", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "sharesItemType" }, "us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "label": "Weighted Average Number of Shares Outstanding Reconciliation [Abstract]", "terseLabel": "Denominator:" } } }, "localname": "WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract", "nsuri": "http://fasb.org/us-gaap/2021-01-31", "presentation": [ "http://www.discovercard.com/role/EarningsPerShareScheduleofBasicandDilutedEPSDetails" ], "xbrltype": "stringItemType" } }, "unitCount": 15 } }, "std_ref": { "r0": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "105", "URI": "http://asc.fasb.org/extlink&oid=124434974&loc=SL124442142-165695" }, "r1": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "105", "URI": "http://asc.fasb.org/extlink&oid=124434974&loc=SL124442142-165695" }, "r10": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(14))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r100": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.4-08(c))", "Topic": "235", "URI": "http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690" }, "r101": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.4-08(d))", "Topic": "235", "URI": "http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690" }, "r102": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.4-08(f))", "Topic": "235", "URI": "http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690" }, "r103": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.4-08(g)(1)(ii))", "Topic": "235", "URI": "http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690" }, "r104": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.4-08(h)(1)(Note 1))", "Topic": "235", "URI": "http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690" }, "r105": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.4-08(h)(2))", "Topic": "235", "URI": "http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690" }, "r106": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.4-08(h))", "Topic": "235", "URI": "http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690" }, "r107": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.4-08(m)(1)(ii)(A))", "Topic": "235", "URI": "http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690" }, "r108": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.12-04(a))", "Topic": "235", "URI": "http://asc.fasb.org/extlink&oid=120395691&loc=d3e24072-122690" }, "r109": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "235", "URI": "http://asc.fasb.org/topic&trid=2122369" }, "r11": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(17))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r110": { "Name": "Accounting Standards Codification", "Paragraph": "23", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124436220&loc=d3e21914-107793" }, "r111": { "Name": "Accounting Standards Codification", "Paragraph": "24", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124436220&loc=d3e21930-107793" }, "r112": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124436220&loc=d3e21711-107793" }, "r113": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124436220&loc=d3e21728-107793" }, "r114": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)(2)", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124431687&loc=d3e22499-107794" }, "r115": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)(3)", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124431687&loc=d3e22499-107794" }, "r116": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)(4)", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124431687&loc=d3e22499-107794" }, "r117": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)(2)", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124431687&loc=d3e22499-107794" }, "r118": { "Name": "Accounting Standards Codification", "Paragraph": "11", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124431687&loc=d3e22694-107794" }, "r119": { "Name": "Accounting Standards Codification", "Paragraph": "11", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124431687&loc=d3e22694-107794" }, "r12": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(19))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r120": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124431687&loc=d3e22583-107794" }, "r121": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124431687&loc=d3e22595-107794" }, "r122": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124431687&loc=d3e22644-107794" }, "r123": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124431687&loc=d3e22644-107794" }, "r124": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124431687&loc=d3e22658-107794" }, "r125": { "Name": "Accounting Standards Codification", "Paragraph": "9", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=124431687&loc=d3e22663-107794" }, "r126": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SAB Topic 11.M.Q2)", "Topic": "250", "URI": "http://asc.fasb.org/extlink&oid=122038215&loc=d3e31137-122693" }, "r127": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "250", "URI": "http://asc.fasb.org/topic&trid=2122394" }, "r128": { "Name": "Accounting Standards Codification", "Paragraph": "10", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=d3e1448-109256" }, "r129": { "Name": "Accounting Standards Codification", "Paragraph": "11", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=d3e1377-109256" }, "r13": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(20))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r130": { "Name": "Accounting Standards Codification", "Paragraph": "16", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=d3e1505-109256" }, "r131": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=d3e1252-109256" }, "r132": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=d3e1278-109256" }, "r133": { "Name": "Accounting Standards Codification", "Paragraph": "40", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=d3e1930-109256" }, "r134": { "Name": "Accounting Standards Codification", "Paragraph": "40", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)(1)", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=d3e1930-109256" }, "r135": { "Name": "Accounting Standards Codification", "Paragraph": "40", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)(2)", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=d3e1930-109256" }, "r136": { "Name": "Accounting Standards Codification", "Paragraph": "40", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)(3)", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=d3e1930-109256" }, "r137": { "Name": "Accounting Standards Codification", "Paragraph": "55", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=d3e2626-109256" }, "r138": { "Name": "Accounting Standards Codification", "Paragraph": "60", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=d3e2740-109256" }, "r139": { "Name": "Accounting Standards Codification", "Paragraph": "60B", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=SL5780133-109256" }, "r14": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(22))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r140": { "Name": "Accounting Standards Codification", "Paragraph": "60B", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=SL5780133-109256" }, "r141": { "Name": "Accounting Standards Codification", "Paragraph": "60B", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=SL5780133-109256" }, "r142": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125511455&loc=d3e1337-109256" }, "r143": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=124432515&loc=d3e3550-109257" }, "r144": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=124432515&loc=d3e3550-109257" }, "r145": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=124432515&loc=d3e3630-109257" }, "r146": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=109243012&loc=SL65017193-207537" }, "r147": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "55", "SubTopic": "10", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125512782&loc=d3e3842-109258" }, "r148": { "Name": "Accounting Standards Codification", "Paragraph": "52", "Publisher": "FASB", "Section": "55", "SubTopic": "10", "Topic": "260", "URI": "http://asc.fasb.org/extlink&oid=125512782&loc=d3e4984-109258" }, "r149": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "260", "URI": "http://asc.fasb.org/topic&trid=2144383" }, "r15": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(27))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r150": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "272", "URI": "http://asc.fasb.org/extlink&oid=125520817&loc=d3e70191-108054" }, "r151": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "272", "URI": "http://asc.fasb.org/extlink&oid=125520817&loc=d3e70229-108054" }, "r152": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "272", "URI": "http://asc.fasb.org/extlink&oid=6373374&loc=d3e70434-108055" }, "r153": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "272", "URI": "http://asc.fasb.org/extlink&oid=6373374&loc=d3e70478-108055" }, "r154": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "275", "URI": "http://asc.fasb.org/extlink&oid=99393423&loc=d3e5967-108592" }, "r155": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "275", "URI": "http://asc.fasb.org/extlink&oid=99393423&loc=d3e5967-108592" }, "r156": { "Name": "Accounting Standards Codification", "Paragraph": "11", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "275", "URI": "http://asc.fasb.org/extlink&oid=99393423&loc=d3e6161-108592" }, "r157": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "275", "URI": "http://asc.fasb.org/extlink&oid=99393423&loc=d3e6191-108592" }, "r158": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "275", "URI": "http://asc.fasb.org/extlink&oid=99393423&loc=d3e6061-108592" }, "r159": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "275", "URI": "http://asc.fasb.org/extlink&oid=99393423&loc=d3e6132-108592" }, "r16": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(28))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r160": { "Name": "Accounting Standards Codification", "Paragraph": "9", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "275", "URI": "http://asc.fasb.org/extlink&oid=99393423&loc=d3e6143-108592" }, "r161": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "275", "URI": "http://asc.fasb.org/topic&trid=2134479" }, "r162": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8657-108599" }, "r163": { "Name": "Accounting Standards Codification", "Paragraph": "18", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8672-108599" }, "r164": { "Name": "Accounting Standards Codification", "Paragraph": "21", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8721-108599" }, "r165": { "Name": "Accounting Standards Codification", "Paragraph": "21", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8721-108599" }, "r166": { "Name": "Accounting Standards Codification", "Paragraph": "22", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599" }, "r167": { "Name": "Accounting Standards Codification", "Paragraph": "22", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599" }, "r168": { "Name": "Accounting Standards Codification", "Paragraph": "22", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599" }, "r169": { "Name": "Accounting Standards Codification", "Paragraph": "22", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599" }, "r17": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(29))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r170": { "Name": "Accounting Standards Codification", "Paragraph": "22", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(e)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599" }, "r171": { "Name": "Accounting Standards Codification", "Paragraph": "22", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(f)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599" }, "r172": { "Name": "Accounting Standards Codification", "Paragraph": "22", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(g)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599" }, "r173": { "Name": "Accounting Standards Codification", "Paragraph": "22", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(h)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599" }, "r174": { "Name": "Accounting Standards Codification", "Paragraph": "22", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(j)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599" }, "r175": { "Name": "Accounting Standards Codification", "Paragraph": "22", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599" }, "r176": { "Name": "Accounting Standards Codification", "Paragraph": "25", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8813-108599" }, "r177": { "Name": "Accounting Standards Codification", "Paragraph": "25", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8813-108599" }, "r178": { "Name": "Accounting Standards Codification", "Paragraph": "25", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8813-108599" }, "r179": { "Name": "Accounting Standards Codification", "Paragraph": "26", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8844-108599" }, "r18": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(3))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r180": { "Name": "Accounting Standards Codification", "Paragraph": "30", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8906-108599" }, "r181": { "Name": "Accounting Standards Codification", "Paragraph": "30", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8906-108599" }, "r182": { "Name": "Accounting Standards Codification", "Paragraph": "30", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8906-108599" }, "r183": { "Name": "Accounting Standards Codification", "Paragraph": "30", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8906-108599" }, "r184": { "Name": "Accounting Standards Codification", "Paragraph": "30", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8906-108599" }, "r185": { "Name": "Accounting Standards Codification", "Paragraph": "31", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8924-108599" }, "r186": { "Name": "Accounting Standards Codification", "Paragraph": "32", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599" }, "r187": { "Name": "Accounting Standards Codification", "Paragraph": "32", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599" }, "r188": { "Name": "Accounting Standards Codification", "Paragraph": "32", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599" }, "r189": { "Name": "Accounting Standards Codification", "Paragraph": "32", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599" }, "r19": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(30)(a)(1))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r190": { "Name": "Accounting Standards Codification", "Paragraph": "32", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(e)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599" }, "r191": { "Name": "Accounting Standards Codification", "Paragraph": "32", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(f)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599" }, "r192": { "Name": "Accounting Standards Codification", "Paragraph": "34", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e8981-108599" }, "r193": { "Name": "Accounting Standards Codification", "Paragraph": "40", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e9031-108599" }, "r194": { "Name": "Accounting Standards Codification", "Paragraph": "41", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e9038-108599" }, "r195": { "Name": "Accounting Standards Codification", "Paragraph": "41", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e9038-108599" }, "r196": { "Name": "Accounting Standards Codification", "Paragraph": "42", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "280", "URI": "http://asc.fasb.org/extlink&oid=123359005&loc=d3e9054-108599" }, "r197": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "280", "URI": "http://asc.fasb.org/topic&trid=2134510" }, "r198": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=124259787&loc=d3e4428-111522" }, "r199": { "Name": "Accounting Standards Codification", "Paragraph": "11B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524" }, "r2": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "105", "URI": "http://asc.fasb.org/extlink&oid=124434974&loc=SL124442142-165695" }, "r20": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(30)(a)(3))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r200": { "Name": "Accounting Standards Codification", "Paragraph": "11B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)(1)", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524" }, "r201": { "Name": "Accounting Standards Codification", "Paragraph": "11B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)(2)", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524" }, "r202": { "Name": "Accounting Standards Codification", "Paragraph": "11B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)(3)", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524" }, "r203": { "Name": "Accounting Standards Codification", "Paragraph": "11B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)(4)", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524" }, "r204": { "Name": "Accounting Standards Codification", "Paragraph": "11B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524" }, "r205": { "Name": "Accounting Standards Codification", "Paragraph": "29", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524" }, "r206": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=d3e5066-111524" }, "r207": { "Name": "Accounting Standards Codification", "Paragraph": "33", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=SL6953676-111524" }, "r208": { "Name": "Accounting Standards Codification", "Paragraph": "34", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)(2)", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524" }, "r209": { "Name": "Accounting Standards Codification", "Paragraph": "34", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524" }, "r21": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(30)(a)(4))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r210": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=d3e5086-111524" }, "r211": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524" }, "r212": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524" }, "r213": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524" }, "r214": { "Name": "Accounting Standards Codification", "Paragraph": "7A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=123577603&loc=SL6953401-111524" }, "r215": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SAB Topic 4.E)", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=122038336&loc=d3e74512-122707" }, "r216": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "SubTopic": "10", "Topic": "310", "URI": "http://asc.fasb.org/subtopic&trid=2196772" }, "r217": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=124402435&loc=SL124402458-218513" }, "r218": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "310", "URI": "http://asc.fasb.org/extlink&oid=124402435&loc=SL124402458-218513" }, "r219": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "SubTopic": "20", "Topic": "310", "URI": "http://asc.fasb.org/subtopic&trid=2196816" }, "r22": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(30))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r220": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=124260329&loc=d3e26610-111562" }, "r221": { "Name": "Accounting Standards Codification", "Paragraph": "11", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=124260329&loc=d3e26853-111562" }, "r222": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=SL6283291-111563" }, "r223": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27161-111563" }, "r224": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(aa)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27161-111563" }, "r225": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27161-111563" }, "r226": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27161-111563" }, "r227": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27161-111563" }, "r228": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27198-111563" }, "r229": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27198-111563" }, "r23": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(31))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r230": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27198-111563" }, "r231": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27198-111563" }, "r232": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27232-111563" }, "r233": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(aa)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27232-111563" }, "r234": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27232-111563" }, "r235": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27232-111563" }, "r236": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(f)(1)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27232-111563" }, "r237": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(f)(2)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27232-111563" }, "r238": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(f)(3)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27232-111563" }, "r239": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(f)(4)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27232-111563" }, "r24": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(32))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r240": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27232-111563" }, "r241": { "Name": "Accounting Standards Codification", "Paragraph": "5A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=SL120269820-111563" }, "r242": { "Name": "Accounting Standards Codification", "Paragraph": "5A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=SL120269820-111563" }, "r243": { "Name": "Accounting Standards Codification", "Paragraph": "5A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=SL120269820-111563" }, "r244": { "Name": "Accounting Standards Codification", "Paragraph": "5A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=SL120269820-111563" }, "r245": { "Name": "Accounting Standards Codification", "Paragraph": "5B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=SL120269825-111563" }, "r246": { "Name": "Accounting Standards Codification", "Paragraph": "5B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=SL120269825-111563" }, "r247": { "Name": "Accounting Standards Codification", "Paragraph": "5B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=SL120269825-111563" }, "r248": { "Name": "Accounting Standards Codification", "Paragraph": "5B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=SL120269825-111563" }, "r249": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)(3)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27290-111563" }, "r25": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02.1)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r250": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27337-111563" }, "r251": { "Name": "Accounting Standards Codification", "Paragraph": "9", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27357-111563" }, "r252": { "Name": "Accounting Standards Codification", "Paragraph": "9", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "320", "URI": "http://asc.fasb.org/extlink&oid=123581744&loc=d3e27357-111563" }, "r253": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "320", "URI": "http://asc.fasb.org/topic&trid=2196928" }, "r254": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "321", "URI": "http://asc.fasb.org/extlink&oid=123583765&loc=SL75117539-209714" }, "r255": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "321", "URI": "http://asc.fasb.org/extlink&oid=123583765&loc=SL75117539-209714" }, "r256": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "321", "URI": "http://asc.fasb.org/extlink&oid=123583765&loc=SL75117539-209714" }, "r257": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "321", "URI": "http://asc.fasb.org/extlink&oid=123583765&loc=SL75117546-209714" }, "r258": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "323", "URI": "http://asc.fasb.org/extlink&oid=109237563&loc=d3e33749-111570" }, "r259": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "323", "URI": "http://asc.fasb.org/extlink&oid=114001798&loc=d3e33918-111571" }, "r26": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02.12)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r260": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "740", "Subparagraph": "(b)", "Topic": "323", "URI": "http://asc.fasb.org/extlink&oid=116633289&loc=SL49122993-202985" }, "r261": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "740", "Subparagraph": "(e)", "Topic": "323", "URI": "http://asc.fasb.org/extlink&oid=116633289&loc=SL49122993-202985" }, "r262": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=122640432&loc=SL82887624-210437" }, "r263": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=122640432&loc=SL121648383-210437" }, "r264": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=122640432&loc=SL121648383-210437" }, "r265": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=122640432&loc=SL121648383-210437" }, "r266": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=122640432&loc=SL121648383-210437" }, "r267": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(e)(3)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=122640432&loc=SL121648383-210437" }, "r268": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(e)(4)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=122640432&loc=SL121648383-210437" }, "r269": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "20", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255206&loc=SL82895884-210446" }, "r27": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02.19(b),22(b))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r270": { "Name": "Accounting Standards Codification", "Paragraph": "11", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919244-210447" }, "r271": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447" }, "r272": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447" }, "r273": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447" }, "r274": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(e)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447" }, "r275": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(f)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447" }, "r276": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447" }, "r277": { "Name": "Accounting Standards Codification", "Paragraph": "14", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919253-210447" }, "r278": { "Name": "Accounting Standards Codification", "Paragraph": "16", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919258-210447" }, "r279": { "Name": "Accounting Standards Codification", "Paragraph": "16", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919258-210447" }, "r28": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02.19-26)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r280": { "Name": "Accounting Standards Codification", "Paragraph": "16", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919258-210447" }, "r281": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447" }, "r282": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447" }, "r283": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447" }, "r284": { "Name": "Accounting Standards Codification", "Paragraph": "10", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124267575&loc=SL82921830-210448" }, "r285": { "Name": "Accounting Standards Codification", "Paragraph": "11", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124267575&loc=SL82921833-210448" }, "r286": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124267575&loc=SL82921835-210448" }, "r287": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124267575&loc=SL82921842-210448" }, "r288": { "Name": "Accounting Standards Codification", "Paragraph": "79", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448" }, "r289": { "Name": "Accounting Standards Codification", "Paragraph": "80", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124267575&loc=SL82922355-210448" }, "r29": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02.22(a)(1))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r290": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124258926&loc=SL82898722-210454" }, "r291": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "(b)(3)", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124269663&loc=SL82922888-210455" }, "r292": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124269663&loc=SL82922888-210455" }, "r293": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124269663&loc=SL82922890-210455" }, "r294": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124269663&loc=SL82922895-210455" }, "r295": { "Name": "Accounting Standards Codification", "Paragraph": "9", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=124269663&loc=SL82922900-210455" }, "r296": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "55", "SubTopic": "30", "Topic": "326", "URI": "http://asc.fasb.org/extlink&oid=121590138&loc=SL82922954-210456" }, "r297": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "20", "Topic": "350", "URI": "http://asc.fasb.org/extlink&oid=99380562&loc=d3e13770-109266" }, "r298": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "45", "SubTopic": "20", "Topic": "350", "URI": "http://asc.fasb.org/extlink&oid=120320667&loc=SL49117168-202975" }, "r299": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "350", "URI": "http://asc.fasb.org/extlink&oid=121556970&loc=d3e13816-109267" }, "r3": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "105", "URI": "http://asc.fasb.org/extlink&oid=124434974&loc=SL124442142-165695" }, "r30": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02.22)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r300": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Topic": "350", "URI": "http://asc.fasb.org/extlink&oid=6388964&loc=d3e16212-109274" }, "r301": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "(b)", "Topic": "350", "URI": "http://asc.fasb.org/extlink&oid=66006027&loc=d3e16265-109275" }, "r302": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "((a)(1),(b))", "Topic": "350", "URI": "http://asc.fasb.org/extlink&oid=66006027&loc=d3e16323-109275" }, "r303": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "(b)", "Topic": "350", "URI": "http://asc.fasb.org/extlink&oid=66006027&loc=d3e16323-109275" }, "r304": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "(b)", "Topic": "350", "URI": "http://asc.fasb.org/extlink&oid=66006027&loc=d3e16373-109275" }, "r305": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "(b),(d)", "Topic": "350", "URI": "http://asc.fasb.org/extlink&oid=66006027&loc=d3e16373-109275" }, "r306": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "350", "URI": "http://asc.fasb.org/topic&trid=2144416" }, "r307": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "360", "URI": "http://asc.fasb.org/extlink&oid=123351718&loc=d3e2420-110228" }, "r308": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "360", "URI": "http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229" }, "r309": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "360", "URI": "http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229" }, "r31": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02.25)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r310": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "360", "URI": "http://asc.fasb.org/extlink&oid=109226691&loc=d3e2941-110230" }, "r311": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(f)", "Topic": "360", "URI": "http://asc.fasb.org/extlink&oid=109226691&loc=d3e2941-110230" }, "r312": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "420", "URI": "http://asc.fasb.org/extlink&oid=6394359&loc=d3e17939-110869" }, "r313": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "420", "URI": "http://asc.fasb.org/extlink&oid=6394359&loc=d3e17939-110869" }, "r314": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SAB Topic 5.P.4(d))", "Topic": "420", "URI": "http://asc.fasb.org/extlink&oid=115931487&loc=d3e140904-122747" }, "r315": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "440", "URI": "http://asc.fasb.org/topic&trid=2144648" }, "r316": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "05", "SubTopic": "20", "Topic": "450", "URI": "http://asc.fasb.org/extlink&oid=99385795&loc=d3e12631-108344" }, "r317": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "450", "URI": "http://asc.fasb.org/extlink&oid=121557415&loc=d3e14326-108349" }, "r318": { "Name": "Accounting Standards Codification", "Paragraph": "10", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "450", "URI": "http://asc.fasb.org/extlink&oid=121557415&loc=d3e14615-108349" }, "r319": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "450", "URI": "http://asc.fasb.org/extlink&oid=121557415&loc=d3e14394-108349" }, "r32": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02.28,29)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r320": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "450", "URI": "http://asc.fasb.org/extlink&oid=121557415&loc=d3e14435-108349" }, "r321": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "450", "URI": "http://asc.fasb.org/extlink&oid=121557415&loc=d3e14435-108349" }, "r322": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "450", "URI": "http://asc.fasb.org/extlink&oid=121557415&loc=d3e14435-108349" }, "r323": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "450", "URI": "http://asc.fasb.org/extlink&oid=121557415&loc=d3e14453-108349" }, "r324": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "450", "URI": "http://asc.fasb.org/extlink&oid=121557415&loc=d3e14472-108349" }, "r325": { "Name": "Accounting Standards Codification", "Paragraph": "9", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "450", "URI": "http://asc.fasb.org/extlink&oid=121557415&loc=d3e14557-108349" }, "r326": { "Name": "Accounting Standards Codification", "Paragraph": "9", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "450", "URI": "http://asc.fasb.org/extlink&oid=121557415&loc=d3e14557-108349" }, "r327": { "Name": "Accounting Standards Codification", "Paragraph": "9", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "450", "URI": "http://asc.fasb.org/extlink&oid=121557415&loc=d3e14557-108349" }, "r328": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "450", "URI": "http://asc.fasb.org/topic&trid=2127136" }, "r329": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "460", "URI": "http://asc.fasb.org/extlink&oid=124440162&loc=d3e12021-110248" }, "r33": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02.29,30)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r330": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "460", "URI": "http://asc.fasb.org/extlink&oid=124440162&loc=d3e12053-110248" }, "r331": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "460", "URI": "http://asc.fasb.org/extlink&oid=124440162&loc=d3e12069-110248" }, "r332": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)(1)", "Topic": "460", "URI": "http://asc.fasb.org/extlink&oid=124440162&loc=d3e12069-110248" }, "r333": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "460", "URI": "http://asc.fasb.org/extlink&oid=124440162&loc=d3e12069-110248" }, "r334": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "460", "URI": "http://asc.fasb.org/extlink&oid=124440162&loc=d3e12265-110248" }, "r335": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "460", "URI": "http://asc.fasb.org/topic&trid=2155896" }, "r336": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123465755&loc=d3e1835-112601" }, "r337": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123465755&loc=SL6230698-112601" }, "r338": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S65", "SubTopic": "10", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359872&loc=SL124427846-239511" }, "r339": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-01(a)(4)(i))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442526-122756" }, "r34": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02.29-31)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r340": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-01(a)(4)(ii))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442526-122756" }, "r341": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-01(a)(4)(iii)(A))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442526-122756" }, "r342": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-01(a)(4)(iii)(B))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442526-122756" }, "r343": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-01(a)(4)(iii))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442526-122756" }, "r344": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-01(a)(4)(iv))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442526-122756" }, "r345": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-01(a)(5))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442526-122756" }, "r346": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-02(a)(4)(i))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756" }, "r347": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-02(a)(4)(iii)(A)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756" }, "r348": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-02(a)(4)(iii)(A))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756" }, "r349": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-02(a)(4)(iii)(B)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756" }, "r35": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02.3,4)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r350": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-02(a)(4)(iii)(B))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756" }, "r351": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-02(a)(4)(iii)(C))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756" }, "r352": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-02(a)(4)(iv))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756" }, "r353": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.13-02(a)(5))", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756" }, "r354": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611" }, "r355": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611" }, "r356": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611" }, "r357": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611" }, "r358": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(e)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611" }, "r359": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(f)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611" }, "r36": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02.8)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r360": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(g)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611" }, "r361": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(h)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611" }, "r362": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(i)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611" }, "r363": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611" }, "r364": { "Name": "Accounting Standards Codification", "Paragraph": "1C", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495334-112611" }, "r365": { "Name": "Accounting Standards Codification", "Paragraph": "1C", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495334-112611" }, "r366": { "Name": "Accounting Standards Codification", "Paragraph": "1C", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495334-112611" }, "r367": { "Name": "Accounting Standards Codification", "Paragraph": "1D", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495340-112611" }, "r368": { "Name": "Accounting Standards Codification", "Paragraph": "1D", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495340-112611" }, "r369": { "Name": "Accounting Standards Codification", "Paragraph": "1D", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495340-112611" }, "r37": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=51824906&loc=SL20225862-175312" }, "r370": { "Name": "Accounting Standards Codification", "Paragraph": "1E", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495348-112611" }, "r371": { "Name": "Accounting Standards Codification", "Paragraph": "1E", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495348-112611" }, "r372": { "Name": "Accounting Standards Codification", "Paragraph": "1E", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495348-112611" }, "r373": { "Name": "Accounting Standards Codification", "Paragraph": "1E", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495348-112611" }, "r374": { "Name": "Accounting Standards Codification", "Paragraph": "1F", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495355-112611" }, "r375": { "Name": "Accounting Standards Codification", "Paragraph": "1F", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495355-112611" }, "r376": { "Name": "Accounting Standards Codification", "Paragraph": "1F", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)(1)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495355-112611" }, "r377": { "Name": "Accounting Standards Codification", "Paragraph": "1F", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)(2)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495355-112611" }, "r378": { "Name": "Accounting Standards Codification", "Paragraph": "1I", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495371-112611" }, "r379": { "Name": "Accounting Standards Codification", "Paragraph": "1I", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495371-112611" }, "r38": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=51824906&loc=SL20225862-175312" }, "r380": { "Name": "Accounting Standards Codification", "Paragraph": "1I", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495371-112611" }, "r381": { "Name": "Accounting Standards Codification", "Paragraph": "1I", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466505&loc=SL123495371-112611" }, "r382": { "Name": "Accounting Standards Codification", "Paragraph": "69B", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466577&loc=SL123495735-112612" }, "r383": { "Name": "Accounting Standards Codification", "Paragraph": "69C", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466577&loc=SL123495737-112612" }, "r384": { "Name": "Accounting Standards Codification", "Paragraph": "69E", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466577&loc=SL123495743-112612" }, "r385": { "Name": "Accounting Standards Codification", "Paragraph": "69F", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "470", "URI": "http://asc.fasb.org/extlink&oid=123466577&loc=SL123495745-112612" }, "r386": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "470", "URI": "http://asc.fasb.org/topic&trid=2208564" }, "r387": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(CFRR 211.02)", "Topic": "480", "URI": "http://asc.fasb.org/extlink&oid=122040564&loc=d3e177068-122764" }, "r388": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Topic": "480", "URI": "http://asc.fasb.org/extlink&oid=122040564&loc=d3e177068-122764" }, "r389": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=65888546&loc=d3e21300-112643" }, "r39": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)(2)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=51824906&loc=SL20225862-175312" }, "r390": { "Name": "Accounting Standards Codification", "Paragraph": "10", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=d3e21553-112644" }, "r391": { "Name": "Accounting Standards Codification", "Paragraph": "11", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=d3e21564-112644" }, "r392": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=SL123496158-112644" }, "r393": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=SL123496158-112644" }, "r394": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=SL123496158-112644" }, "r395": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(e)", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=SL123496158-112644" }, "r396": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(h)", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=SL123496158-112644" }, "r397": { "Name": "Accounting Standards Codification", "Paragraph": "14", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=SL123496171-112644" }, "r398": { "Name": "Accounting Standards Codification", "Paragraph": "18", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=SL123496189-112644" }, "r399": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=d3e21463-112644" }, "r4": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(e)", "Topic": "105", "URI": "http://asc.fasb.org/extlink&oid=124434974&loc=SL124442142-165695" }, "r40": { "Name": "Accounting Standards Codification", "Paragraph": "10", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=99393222&loc=SL20226008-175313" }, "r400": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=d3e21475-112644" }, "r401": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=d3e21484-112644" }, "r402": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=d3e21488-112644" }, "r403": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=d3e21488-112644" }, "r404": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=d3e21506-112644" }, "r405": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=d3e21521-112644" }, "r406": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=123467817&loc=d3e21538-112644" }, "r407": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.3-04)", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=120397183&loc=d3e187085-122770" }, "r408": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.4-07)", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=120397183&loc=d3e187103-122770" }, "r409": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=6405813&loc=d3e23239-112655" }, "r41": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=99393222&loc=SL20226016-175313" }, "r410": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Topic": "505", "URI": "http://asc.fasb.org/extlink&oid=6405834&loc=d3e23315-112656" }, "r411": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "505", "URI": "http://asc.fasb.org/topic&trid=2208762" }, "r412": { "Name": "Accounting Standards Codification", "Paragraph": "10", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123351226&loc=SL49130551-203045" }, "r413": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123351226&loc=SL49130554-203045" }, "r414": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123351226&loc=SL49130554-203045" }, "r415": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123351226&loc=SL49130554-203045" }, "r416": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123351226&loc=SL49130554-203045" }, "r417": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(e)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123351226&loc=SL49130554-203045" }, "r418": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)(2)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123351226&loc=SL49130556-203045" }, "r419": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123351226&loc=SL49130558-203045" }, "r42": { "Name": "Accounting Standards Codification", "Paragraph": "20", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=99393222&loc=SL20226038-175313" }, "r420": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123351226&loc=SL49130543-203045" }, "r421": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123351226&loc=SL49130545-203045" }, "r422": { "Name": "Accounting Standards Codification", "Paragraph": "9", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123351226&loc=SL49130550-203045" }, "r423": { "Name": "Accounting Standards Codification", "Paragraph": "91", "Publisher": "FASB", "Section": "55", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123410239&loc=SL49130690-203046-203046" }, "r424": { "Name": "Accounting Standards Codification", "Paragraph": "91", "Publisher": "FASB", "Section": "55", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123410239&loc=SL49130690-203046-203046" }, "r425": { "Name": "Accounting Standards Codification", "Paragraph": "91", "Publisher": "FASB", "Section": "55", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123410239&loc=SL49130690-203046-203046" }, "r426": { "Name": "Accounting Standards Codification", "Paragraph": "91", "Publisher": "FASB", "Section": "55", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123410239&loc=SL49130690-203046-203046" }, "r427": { "Name": "Accounting Standards Codification", "Paragraph": "91", "Publisher": "FASB", "Section": "55", "SubTopic": "10", "Subparagraph": "(e)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123410239&loc=SL49130690-203046-203046" }, "r428": { "Name": "Accounting Standards Codification", "Paragraph": "91", "Publisher": "FASB", "Section": "55", "SubTopic": "10", "Subparagraph": "(f)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123410239&loc=SL49130690-203046-203046" }, "r429": { "Name": "Accounting Standards Codification", "Paragraph": "91", "Publisher": "FASB", "Section": "55", "SubTopic": "10", "Subparagraph": "(g)", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123410239&loc=SL49130690-203046-203046" }, "r43": { "Name": "Accounting Standards Codification", "Paragraph": "22", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=99393222&loc=SL20226052-175313" }, "r430": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Topic": "606", "URI": "http://asc.fasb.org/extlink&oid=123338486&loc=SL49131195-203048" }, "r431": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "606", "URI": "http://asc.fasb.org/topic&trid=49130388" }, "r432": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)(i)", "Topic": "715", "URI": "http://asc.fasb.org/extlink&oid=123447040&loc=d3e1928-114920" }, "r433": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)(ii)", "Topic": "715", "URI": "http://asc.fasb.org/extlink&oid=123447040&loc=d3e1928-114920" }, "r434": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)(iv)(01)", "Topic": "715", "URI": "http://asc.fasb.org/extlink&oid=123447040&loc=d3e1928-114920" }, "r435": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)(iv)(02)", "Topic": "715", "URI": "http://asc.fasb.org/extlink&oid=123447040&loc=d3e1928-114920" }, "r436": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)(iv)(02)(A)", "Topic": "715", "URI": "http://asc.fasb.org/extlink&oid=123447040&loc=d3e1928-114920" }, "r437": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)(iv)(02)(B)", "Topic": "715", "URI": "http://asc.fasb.org/extlink&oid=123447040&loc=d3e1928-114920" }, "r438": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)(iv)(02)(C)", "Topic": "715", "URI": "http://asc.fasb.org/extlink&oid=123447040&loc=d3e1928-114920" }, "r439": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)(iv)(03)", "Topic": "715", "URI": "http://asc.fasb.org/extlink&oid=123447040&loc=d3e1928-114920" }, "r44": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=99393222&loc=SL20226000-175313" }, "r440": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(i)", "Topic": "715", "URI": "http://asc.fasb.org/extlink&oid=123447040&loc=d3e1928-114920" }, "r441": { "Name": "Accounting Standards Codification", "Paragraph": "17", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Topic": "715", "URI": "http://asc.fasb.org/extlink&oid=123450688&loc=d3e4179-114921" }, "r442": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "80", "Subparagraph": "(d)", "Topic": "715", "URI": "http://asc.fasb.org/extlink&oid=65877416&loc=SL14450657-114947" }, "r443": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "55", "SubTopic": "80", "Topic": "715", "URI": "http://asc.fasb.org/extlink&oid=35742348&loc=SL14450788-114948" }, "r444": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "718", "URI": "http://asc.fasb.org/extlink&oid=120381028&loc=d3e5047-113901" }, "r445": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)(1)", "Topic": "718", "URI": "http://asc.fasb.org/extlink&oid=120381028&loc=d3e5070-113901" }, "r446": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "718", "URI": "http://asc.fasb.org/extlink&oid=121322162&loc=SL121327923-165333" }, "r447": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "718", "URI": "http://asc.fasb.org/extlink&oid=121322162&loc=SL121327923-165333" }, "r448": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "718", "URI": "http://asc.fasb.org/extlink&oid=121322162&loc=SL121327923-165333" }, "r449": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "718", "URI": "http://asc.fasb.org/extlink&oid=121322162&loc=SL121327923-165333" }, "r45": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=d3e526-108580" }, "r450": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(e)", "Topic": "718", "URI": "http://asc.fasb.org/extlink&oid=121322162&loc=SL121327923-165333" }, "r451": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(f)(1)", "Topic": "718", "URI": "http://asc.fasb.org/extlink&oid=121322162&loc=SL121327923-165333" }, "r452": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(f)(2)", "Topic": "718", "URI": "http://asc.fasb.org/extlink&oid=121322162&loc=SL121327923-165333" }, "r453": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(g)(2)", "Topic": "718", "URI": "http://asc.fasb.org/extlink&oid=121322162&loc=SL121327923-165333" }, "r454": { "Name": "Accounting Standards Codification", "Paragraph": "10", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=121826272&loc=d3e32672-109319" }, "r455": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=121826272&loc=d3e32687-109319" }, "r456": { "Name": "Accounting Standards Codification", "Paragraph": "14", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=121826272&loc=d3e32705-109319" }, "r457": { "Name": "Accounting Standards Codification", "Paragraph": "17", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=121826272&loc=d3e32809-109319" }, "r458": { "Name": "Accounting Standards Codification", "Paragraph": "21", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=121826272&loc=d3e32857-109319" }, "r459": { "Name": "Accounting Standards Codification", "Paragraph": "9", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=121826272&loc=d3e32639-109319" }, "r46": { "Name": "Accounting Standards Codification", "Paragraph": "10A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669646-108580" }, "r460": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=123459177&loc=SL121830611-158277" }, "r461": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=123459177&loc=SL121830611-158277" }, "r462": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(d)(2)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=123459177&loc=SL121830611-158277" }, "r463": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(d)(3)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=123459177&loc=SL121830611-158277" }, "r464": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SAB TOPIC 6.I.5.Q1)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=122134291&loc=d3e330036-122817" }, "r465": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SAB TOPIC 6.I.7)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=122134291&loc=d3e330036-122817" }, "r466": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SAB Topic 6.I.7)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=122134291&loc=d3e330036-122817" }, "r467": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SAB Topic 6.I.Fact.1)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=122134291&loc=d3e330036-122817" }, "r468": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SAB Topic 6.I.Fact.2)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=122134291&loc=d3e330036-122817" }, "r469": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SAB Topic 11.C)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=122134291&loc=d3e330215-122817" }, "r47": { "Name": "Accounting Standards Codification", "Paragraph": "10A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(e)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669646-108580" }, "r470": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "45", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=123586238&loc=d3e38679-109324" }, "r471": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "270", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=6424409&loc=d3e44925-109338" }, "r472": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "(a)", "Topic": "740", "URI": "http://asc.fasb.org/extlink&oid=6424122&loc=d3e41874-109331" }, "r473": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "740", "URI": "http://asc.fasb.org/topic&trid=2144680" }, "r474": { "Name": "Accounting Standards Codification", "Paragraph": "14", "Publisher": "FASB", "Section": "55", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "805", "URI": "http://asc.fasb.org/extlink&oid=123410050&loc=d3e5263-128473" }, "r475": { "Name": "Accounting Standards Codification", "Paragraph": "19", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=123454820&loc=SL4569616-111683" }, "r476": { "Name": "Accounting Standards Codification", "Paragraph": "20", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=123454820&loc=SL4569643-111683" }, "r477": { "Name": "Accounting Standards Codification", "Paragraph": "25", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=116870748&loc=SL6758485-165988" }, "r478": { "Name": "Accounting Standards Codification", "Paragraph": "25", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=116870748&loc=SL6758485-165988" }, "r479": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)(3)", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=109239629&loc=SL4573702-111684" }, "r48": { "Name": "Accounting Standards Codification", "Paragraph": "10A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(f)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669646-108580" }, "r480": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c),(3)", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=109239629&loc=SL4573702-111684" }, "r481": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(bb)", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=123419778&loc=d3e5710-111685" }, "r482": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=123419778&loc=d3e5710-111685" }, "r483": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=123419778&loc=d3e5710-111685" }, "r484": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=123419778&loc=d3e5728-111685" }, "r485": { "Name": "Accounting Standards Codification", "Paragraph": "5A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=123419778&loc=SL6759159-111685" }, "r486": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=123419778&loc=d3e5747-111685" }, "r487": { "Name": "Accounting Standards Codification", "Paragraph": "9", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "810", "URI": "http://asc.fasb.org/extlink&oid=123419778&loc=SL6228884-111685" }, "r488": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "810", "URI": "http://asc.fasb.org/topic&trid=2197479" }, "r489": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5579240-113959" }, "r49": { "Name": "Accounting Standards Codification", "Paragraph": "10A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(h)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669646-108580" }, "r490": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5579245-113959" }, "r491": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5579245-113959" }, "r492": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5580258-113959" }, "r493": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)(1)(i)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=d3e41620-113959" }, "r494": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)(1)(ii)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=d3e41620-113959" }, "r495": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=d3e41620-113959" }, "r496": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=d3e41638-113959" }, "r497": { "Name": "Accounting Standards Codification", "Paragraph": "4A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5618551-113959" }, "r498": { "Name": "Accounting Standards Codification", "Paragraph": "4A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5618551-113959" }, "r499": { "Name": "Accounting Standards Codification", "Paragraph": "4A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)(1)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5618551-113959" }, "r5": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)", "Topic": "205", "URI": "http://asc.fasb.org/extlink&oid=109222650&loc=d3e1361-107760" }, "r50": { "Name": "Accounting Standards Codification", "Paragraph": "10A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(i),(j),(k)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669646-108580" }, "r500": { "Name": "Accounting Standards Codification", "Paragraph": "4A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)(2)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5618551-113959" }, "r501": { "Name": "Accounting Standards Codification", "Paragraph": "4B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a),(c)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624163-113959" }, "r502": { "Name": "Accounting Standards Codification", "Paragraph": "4B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)(1)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624163-113959" }, "r503": { "Name": "Accounting Standards Codification", "Paragraph": "4B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(d)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624163-113959" }, "r504": { "Name": "Accounting Standards Codification", "Paragraph": "4B", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624163-113959" }, "r505": { "Name": "Accounting Standards Codification", "Paragraph": "4C", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624171-113959" }, "r506": { "Name": "Accounting Standards Codification", "Paragraph": "4C", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624171-113959" }, "r507": { "Name": "Accounting Standards Codification", "Paragraph": "4C", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624171-113959" }, "r508": { "Name": "Accounting Standards Codification", "Paragraph": "4C", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624171-113959" }, "r509": { "Name": "Accounting Standards Codification", "Paragraph": "4D", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)(1)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624177-113959" }, "r51": { "Name": "Accounting Standards Codification", "Paragraph": "10A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(i-k)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669646-108580" }, "r510": { "Name": "Accounting Standards Codification", "Paragraph": "4D", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624177-113959" }, "r511": { "Name": "Accounting Standards Codification", "Paragraph": "4D", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624177-113959" }, "r512": { "Name": "Accounting Standards Codification", "Paragraph": "4E", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624181-113959" }, "r513": { "Name": "Accounting Standards Codification", "Paragraph": "4F", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5624186-113959" }, "r514": { "Name": "Accounting Standards Codification", "Paragraph": "4K", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=SL5708775-113959" }, "r515": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=d3e41641-113959" }, "r516": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=d3e41678-113959" }, "r517": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=d3e41678-113959" }, "r518": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=125515794&loc=d3e41678-113959" }, "r519": { "Name": "Accounting Standards Codification", "Paragraph": "182", "Publisher": "FASB", "Section": "55", "SubTopic": "10", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123421605&loc=SL5629052-113961" }, "r52": { "Name": "Accounting Standards Codification", "Paragraph": "10A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669646-108580" }, "r520": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "45", "SubTopic": "20", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=121577181&loc=SL110061190-113977" }, "r521": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "25", "Subparagraph": "(a)(1)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=121577467&loc=d3e76258-113986" }, "r522": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "25", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=121577467&loc=d3e76258-113986" }, "r523": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "(c)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=121549185&loc=d3e80748-113994" }, "r524": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "(d)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=121549185&loc=d3e80748-113994" }, "r525": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "40", "Subparagraph": "(f)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123477628&loc=d3e90205-114008" }, "r526": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(a)(1)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011" }, "r527": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(a)(2)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011" }, "r528": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(a)(3)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011" }, "r529": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(b)(1)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011" }, "r53": { "Name": "Accounting Standards Codification", "Paragraph": "11", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=d3e637-108580" }, "r530": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(b)(2)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011" }, "r531": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(c)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011" }, "r532": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(d)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011" }, "r533": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(e)(2)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011" }, "r534": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(e)(3)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011" }, "r535": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(e)(4)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011" }, "r536": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(f)", "Topic": "815", "URI": "http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011" }, "r537": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "815", "URI": "http://asc.fasb.org/topic&trid=2229140" }, "r538": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "820", "URI": "http://asc.fasb.org/extlink&oid=123874694&loc=d3e19207-110258" }, "r539": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "820", "URI": "http://asc.fasb.org/extlink&oid=123874694&loc=d3e19207-110258" }, "r54": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=d3e640-108580" }, "r540": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(bb)", "Topic": "820", "URI": "http://asc.fasb.org/extlink&oid=123874694&loc=d3e19207-110258" }, "r541": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(bbb)(1)", "Topic": "820", "URI": "http://asc.fasb.org/extlink&oid=123874694&loc=d3e19207-110258" }, "r542": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(bbb)(2)", "Topic": "820", "URI": "http://asc.fasb.org/extlink&oid=123874694&loc=d3e19207-110258" }, "r543": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(h)", "Topic": "820", "URI": "http://asc.fasb.org/extlink&oid=123874694&loc=d3e19207-110258" }, "r544": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "820", "URI": "http://asc.fasb.org/extlink&oid=123874694&loc=d3e19207-110258" }, "r545": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "820", "URI": "http://asc.fasb.org/extlink&oid=123874694&loc=d3e19279-110258" }, "r546": { "Name": "Accounting Standards Codification", "Paragraph": "6A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "820", "URI": "http://asc.fasb.org/extlink&oid=123874694&loc=SL6742756-110258" }, "r547": { "Name": "Accounting Standards Codification", "Paragraph": "6A", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "820", "URI": "http://asc.fasb.org/extlink&oid=123874694&loc=SL6742756-110258" }, "r548": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123594786&loc=SL75136599-209740" }, "r549": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123594809&loc=d3e13220-108610" }, "r55": { "Name": "Accounting Standards Codification", "Paragraph": "14", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=d3e681-108580" }, "r550": { "Name": "Accounting Standards Codification", "Paragraph": "10", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123594938&loc=d3e13433-108611" }, "r551": { "Name": "Accounting Standards Codification", "Paragraph": "11", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123594938&loc=d3e13467-108611" }, "r552": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123594938&loc=d3e13476-108611" }, "r553": { "Name": "Accounting Standards Codification", "Paragraph": "28", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(f)", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123596393&loc=d3e14064-108612" }, "r554": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123597120&loc=SL120254526-165497" }, "r555": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123597120&loc=SL120254526-165497" }, "r556": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123597120&loc=SL121967933-165497" }, "r557": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123597120&loc=SL121967933-165497" }, "r558": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(c)(1)", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123597120&loc=SL121967933-165497" }, "r559": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(c)(2)", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123597120&loc=SL121967933-165497" }, "r56": { "Name": "Accounting Standards Codification", "Paragraph": "14A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669686-108580" }, "r560": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123597120&loc=SL122642865-165497" }, "r561": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "825", "URI": "http://asc.fasb.org/extlink&oid=123597120&loc=SL122642865-165497" }, "r562": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "230", "Topic": "830", "URI": "http://asc.fasb.org/extlink&oid=123444420&loc=d3e33268-110906" }, "r563": { "Name": "Accounting Standards Codification", "Paragraph": "17", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Topic": "830", "URI": "http://asc.fasb.org/extlink&oid=118261656&loc=d3e32136-110900" }, "r564": { "Name": "Accounting Standards Codification", "Paragraph": "20", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Subparagraph": "(a)", "Topic": "830", "URI": "http://asc.fasb.org/extlink&oid=118261656&loc=d3e32211-110900" }, "r565": { "Name": "Accounting Standards Codification", "Paragraph": "20", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Subparagraph": "(b)", "Topic": "830", "URI": "http://asc.fasb.org/extlink&oid=118261656&loc=d3e32211-110900" }, "r566": { "Name": "Accounting Standards Codification", "Paragraph": "20", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Subparagraph": "(c)", "Topic": "830", "URI": "http://asc.fasb.org/extlink&oid=118261656&loc=d3e32211-110900" }, "r567": { "Name": "Accounting Standards Codification", "Paragraph": "20", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Subparagraph": "(d)", "Topic": "830", "URI": "http://asc.fasb.org/extlink&oid=118261656&loc=d3e32211-110900" }, "r568": { "Name": "Accounting Standards Codification", "Paragraph": "20", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Topic": "830", "URI": "http://asc.fasb.org/extlink&oid=118261656&loc=d3e32211-110900" }, "r569": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Topic": "830", "URI": "http://asc.fasb.org/extlink&oid=6450520&loc=d3e32583-110901" }, "r57": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=d3e689-108580" }, "r570": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "835", "URI": "http://asc.fasb.org/extlink&oid=6450988&loc=d3e26243-108391" }, "r571": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Topic": "835", "URI": "http://asc.fasb.org/extlink&oid=124435984&loc=d3e28541-108399" }, "r572": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Topic": "835", "URI": "http://asc.fasb.org/extlink&oid=124435984&loc=d3e28551-108399" }, "r573": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Topic": "835", "URI": "http://asc.fasb.org/extlink&oid=124435984&loc=d3e28555-108399" }, "r574": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Topic": "835", "URI": "http://asc.fasb.org/extlink&oid=124429444&loc=SL124452920-239629" }, "r575": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "55", "SubTopic": "30", "Topic": "835", "URI": "http://asc.fasb.org/extlink&oid=114775985&loc=d3e28878-108400" }, "r576": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Topic": "840", "URI": "http://asc.fasb.org/extlink&oid=123386454&loc=d3e45280-112737" }, "r577": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "848", "URI": "http://asc.fasb.org/extlink&oid=122150657&loc=SL122150809-237846" }, "r578": { "Name": "Accounting Standards Codification", "Paragraph": "14", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "852", "URI": "http://asc.fasb.org/extlink&oid=124437977&loc=d3e55792-112764" }, "r579": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "852", "URI": "http://asc.fasb.org/extlink&oid=124433192&loc=SL2890621-112765" }, "r58": { "Name": "Accounting Standards Codification", "Paragraph": "17A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL34724391-108580" }, "r580": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "852", "URI": "http://asc.fasb.org/extlink&oid=124433192&loc=SL2890621-112765" }, "r581": { "Name": "Accounting Standards Codification", "Paragraph": "10", "Publisher": "FASB", "Section": "55", "SubTopic": "10", "Topic": "852", "URI": "http://asc.fasb.org/extlink&oid=84165509&loc=d3e56426-112766" }, "r582": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "855", "URI": "http://asc.fasb.org/extlink&oid=6842918&loc=SL6314017-165662" }, "r583": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "855", "URI": "http://asc.fasb.org/topic&trid=2122774" }, "r584": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)(2)(i)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107207-111719" }, "r585": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)(2)(ii)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107207-111719" }, "r586": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)(3)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107207-111719" }, "r587": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(bb)(1)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107207-111719" }, "r588": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(bb)(2)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107207-111719" }, "r589": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(bb)(3)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107207-111719" }, "r59": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669619-108580" }, "r590": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107207-111719" }, "r591": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)(1)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107207-111719" }, "r592": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)(2)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107207-111719" }, "r593": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)(3)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107207-111719" }, "r594": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(cc)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107207-111719" }, "r595": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(a)(5)(ii)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107314-111719" }, "r596": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107314-111719" }, "r597": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)(1)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107314-111719" }, "r598": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)(2)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107314-111719" }, "r599": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(b)(3)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107314-111719" }, "r6": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Topic": "205", "URI": "http://asc.fasb.org/extlink&oid=109222650&loc=SL51721683-107760" }, "r60": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669619-108580" }, "r600": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107314-111719" }, "r601": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(d)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=d3e107314-111719" }, "r602": { "Name": "Accounting Standards Codification", "Paragraph": "4D", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)(2)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=SL51823488-111719" }, "r603": { "Name": "Accounting Standards Codification", "Paragraph": "4D", "Publisher": "FASB", "Section": "50", "SubTopic": "20", "Subparagraph": "(c)(3)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=121570589&loc=SL51823488-111719" }, "r604": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "30", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=66007379&loc=d3e113888-111728" }, "r605": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "(b)(2)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=109249958&loc=SL6224234-111729" }, "r606": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "(c)(3)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=109249958&loc=SL6224234-111729" }, "r607": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "(a)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=109249958&loc=SL34722452-111729" }, "r608": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "50", "SubTopic": "30", "Subparagraph": "(c)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=109249958&loc=SL34722452-111729" }, "r609": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122596-111746" }, "r61": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669619-108580" }, "r610": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(b)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122596-111746" }, "r611": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(d)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122596-111746" }, "r612": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122625-111746" }, "r613": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(1)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122625-111746" }, "r614": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(2)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122625-111746" }, "r615": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(3)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122625-111746" }, "r616": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(4)(i)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122625-111746" }, "r617": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(4)(ii)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122625-111746" }, "r618": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(5)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122625-111746" }, "r619": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(1)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122739-111746" }, "r62": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669625-108580" }, "r620": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(2)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122739-111746" }, "r621": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(3)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122739-111746" }, "r622": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(4)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122739-111746" }, "r623": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(5)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122739-111746" }, "r624": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(6)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122739-111746" }, "r625": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(a)(7)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122739-111746" }, "r626": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(b)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122739-111746" }, "r627": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(d)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122739-111746" }, "r628": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(e)(1)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122739-111746" }, "r629": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(e)(2)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122739-111746" }, "r63": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=SL7669625-108580" }, "r630": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "50", "Subparagraph": "(e)(3)", "Topic": "860", "URI": "http://asc.fasb.org/extlink&oid=125521744&loc=d3e122739-111746" }, "r631": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "860", "URI": "http://asc.fasb.org/topic&trid=2197590" }, "r632": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "910", "URI": "http://asc.fasb.org/extlink&oid=123353855&loc=SL119991595-234733" }, "r633": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SAB Topic 11.L)", "Topic": "924", "URI": "http://asc.fasb.org/extlink&oid=6472922&loc=d3e499488-122856" }, "r634": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "20", "Subparagraph": "(a)", "Topic": "926", "URI": "http://asc.fasb.org/extlink&oid=120154821&loc=SL120154904-197079" }, "r635": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "20", "Subparagraph": "(b)", "Topic": "926", "URI": "http://asc.fasb.org/extlink&oid=120154821&loc=SL120154904-197079" }, "r636": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "20", "Subparagraph": "(c)", "Topic": "926", "URI": "http://asc.fasb.org/extlink&oid=120154821&loc=SL120154904-197079" }, "r637": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "25", "SubTopic": "20", "Topic": "940", "URI": "http://asc.fasb.org/extlink&oid=123384075&loc=d3e41242-110953" }, "r638": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "SubTopic": "320", "Topic": "940", "URI": "http://asc.fasb.org/subtopic&trid=2176304" }, "r639": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03(1)(a))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r64": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124509347&loc=d3e557-108580" }, "r640": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03(10)(1))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r641": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03(10))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r642": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03(11))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r643": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03(13))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r644": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03(16))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r645": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03(23))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r646": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03(6))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r647": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03(7)(2))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r648": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03.12)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r649": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03.15(5))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r65": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124431353&loc=SL124442407-227067" }, "r650": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03.17)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r651": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03.4)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r652": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.9-03.5)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878" }, "r653": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04(11))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r654": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04(15))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r655": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04(22))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r656": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04(23))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r657": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04(26))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r658": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04(27))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r659": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.1)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r66": { "Name": "Accounting Standards Codification", "Paragraph": "5", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124431353&loc=SL124442411-227067" }, "r660": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.1-5)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r661": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.10)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r662": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.11)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r663": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.12)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r664": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.13)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r665": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.14(b))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r666": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.14)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r667": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.4)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r668": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.6)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r669": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.7)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r67": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124431353&loc=SL124452729-227067" }, "r670": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.8)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r671": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.9-04.9)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260" }, "r672": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "230", "Subparagraph": "(b)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=123398031&loc=d3e60009-112784" }, "r673": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "230", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=123398031&loc=d3e60009-112784" }, "r674": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "235", "Subparagraph": "(SX 210.9-05(b)(2))", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=120399901&loc=d3e537907-122884" }, "r675": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "50", "SubTopic": "320", "Subparagraph": "(b)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=123599081&loc=d3e62557-112803" }, "r676": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "320", "Subparagraph": "(a)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=123599081&loc=d3e62586-112803" }, "r677": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "320", "Subparagraph": "(b)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=123599081&loc=d3e62586-112803" }, "r678": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "320", "Subparagraph": "(c)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=123599081&loc=d3e62586-112803" }, "r679": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "320", "Subparagraph": "(d)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=123599081&loc=d3e62586-112803" }, "r68": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "55", "SubTopic": "10", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=124507222&loc=d3e1436-108581" }, "r680": { "Name": "Accounting Standards Codification", "Paragraph": "3A", "Publisher": "FASB", "Section": "50", "SubTopic": "320", "Subparagraph": "(a)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=123599081&loc=SL120269850-112803" }, "r681": { "Name": "Accounting Standards Codification", "Paragraph": "3A", "Publisher": "FASB", "Section": "50", "SubTopic": "320", "Subparagraph": "(b)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=123599081&loc=SL120269850-112803" }, "r682": { "Name": "Accounting Standards Codification", "Paragraph": "3A", "Publisher": "FASB", "Section": "50", "SubTopic": "320", "Subparagraph": "(c)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=123599081&loc=SL120269850-112803" }, "r683": { "Name": "Accounting Standards Codification", "Paragraph": "3A", "Publisher": "FASB", "Section": "50", "SubTopic": "320", "Subparagraph": "(d)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=123599081&loc=SL120269850-112803" }, "r684": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "SubTopic": "320", "Topic": "942", "URI": "http://asc.fasb.org/subtopic&trid=2209399" }, "r685": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "360", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=124429447&loc=SL124453093-239630" }, "r686": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "45", "SubTopic": "405", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=6957935&loc=d3e64057-112817" }, "r687": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "405", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=116652737&loc=d3e64164-112818" }, "r688": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "50", "SubTopic": "470", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=123599511&loc=d3e64711-112823" }, "r689": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "505", "Subparagraph": "(a)(1)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826" }, "r69": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(210.5-03(11))", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227" }, "r690": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "505", "Subparagraph": "(a)(2)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826" }, "r691": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "505", "Subparagraph": "(b)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826" }, "r692": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "505", "Subparagraph": "(c)(1)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826" }, "r693": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "505", "Subparagraph": "(c)(2)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826" }, "r694": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "505", "Subparagraph": "(e)", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826" }, "r695": { "Name": "Accounting Standards Codification", "Paragraph": "1A", "Publisher": "FASB", "Section": "50", "SubTopic": "505", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=117337116&loc=SL5958569-112826" }, "r696": { "Name": "Accounting Standards Codification", "Paragraph": "1B", "Publisher": "FASB", "Section": "50", "SubTopic": "505", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=117337116&loc=SL5958570-112826" }, "r697": { "Name": "Accounting Standards Codification", "Paragraph": "1D", "Publisher": "FASB", "Section": "50", "SubTopic": "505", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=117337116&loc=SL5958573-112826" }, "r698": { "Name": "Accounting Standards Codification", "Paragraph": "1F", "Publisher": "FASB", "Section": "50", "SubTopic": "505", "Topic": "942", "URI": "http://asc.fasb.org/extlink&oid=117337116&loc=SL5958575-112826" }, "r699": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.7-03(16))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910" }, "r7": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=124098289&loc=d3e6676-107765" }, "r70": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-03(10))", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227" }, "r700": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.7-03(a)(10))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910" }, "r701": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.7-03(a)(12))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910" }, "r702": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.7-03(a)(2))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910" }, "r703": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.7-03(a)(23)(a)(3))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910" }, "r704": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.7-03(a)(23)(a)(4))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910" }, "r705": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.7-03(a)(25))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910" }, "r706": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.7-03(a)(8))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910" }, "r707": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.7-03.(a),19)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910" }, "r708": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.7-03.1(g))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910" }, "r709": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "210", "Subparagraph": "(SX 210.7-03.15(a))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910" }, "r71": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-03(20))", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227" }, "r710": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.7-04(18))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400993&loc=SL114874131-224263" }, "r711": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.7-04(19))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400993&loc=SL114874131-224263" }, "r712": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.7-04(22))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400993&loc=SL114874131-224263" }, "r713": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.7-04(23))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400993&loc=SL114874131-224263" }, "r714": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.7-04(3)(d))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400993&loc=SL114874131-224263" }, "r715": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.7-04(8))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400993&loc=SL114874131-224263" }, "r716": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.7-04(9))", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=120400993&loc=SL114874131-224263" }, "r717": { "Name": "Accounting Standards Codification", "Paragraph": "4H", "Publisher": "FASB", "Section": "50", "SubTopic": "40", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=116884468&loc=SL65671331-158438" }, "r718": { "Name": "Accounting Standards Codification", "Paragraph": "7A", "Publisher": "FASB", "Section": "50", "SubTopic": "40", "Subparagraph": "(d)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124506351&loc=SL117782755-158439" }, "r719": { "Name": "Accounting Standards Codification", "Paragraph": "29F", "Publisher": "FASB", "Section": "55", "SubTopic": "40", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124504033&loc=SL117819544-158441" }, "r72": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-03(21))", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227" }, "r720": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(a)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641" }, "r721": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(b)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641" }, "r722": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(e)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641" }, "r723": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(f)(1)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641" }, "r724": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(f)(2)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641" }, "r725": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(g)(1)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641" }, "r726": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(g)(2)(i)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641" }, "r727": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(g)(2)(ii)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641" }, "r728": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(g)(2)(iii)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641" }, "r729": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(g)(2)(iv)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641" }, "r73": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-03(24))", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227" }, "r730": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(h)(1)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641" }, "r731": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "40", "Subparagraph": "(h)(2)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641" }, "r732": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "80", "Subparagraph": "(e)", "Topic": "944", "URI": "http://asc.fasb.org/extlink&oid=124508989&loc=d3e19393-158473" }, "r733": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "45", "SubTopic": "220", "Subparagraph": "(k)", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=124433917&loc=SL114874205-224268" }, "r734": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "220", "Subparagraph": "(SX 210.6-07.2(a),(b),(c),(d))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=120401555&loc=SL114874292-224272" }, "r735": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-12)", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611133-123010" }, "r736": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-12B(Column B)(Footnote 1))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611197-123010" }, "r737": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-12B(Column B)(Footnote 6))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611197-123010" }, "r738": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-12B(Column B)(Footnote 7))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611197-123010" }, "r739": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 1))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611197-123010" }, "r74": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-03(25))", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227" }, "r740": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 6))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611197-123010" }, "r741": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 7))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611197-123010" }, "r742": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-12B(Column D)(Footnote 1))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611197-123010" }, "r743": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-12B(Column D)(Footnote 6))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611197-123010" }, "r744": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-12B(Column D)(Footnote 7))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611197-123010" }, "r745": { "Name": "Accounting Standards Codification", "Paragraph": "3", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-12B)", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611197-123010" }, "r746": { "Name": "Accounting Standards Codification", "Paragraph": "5D", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-13D(Column B)(Footnote 2))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=SL120429264-123010" }, "r747": { "Name": "Accounting Standards Codification", "Paragraph": "5D", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-13D(Column C)(Footnote 2))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=SL120429264-123010" }, "r748": { "Name": "Accounting Standards Codification", "Paragraph": "5D", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-13D)", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=SL120429264-123010" }, "r749": { "Name": "Accounting Standards Codification", "Paragraph": "6", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-14)", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611322-123010" }, "r75": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-03(b)(4))", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227" }, "r750": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-15(Column A))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611379-123010" }, "r751": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-15(Column B))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611379-123010" }, "r752": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-15(Column C))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611379-123010" }, "r753": { "Name": "Accounting Standards Codification", "Paragraph": "7", "Publisher": "FASB", "Section": "S99", "SubTopic": "320", "Subparagraph": "(SX 210.12-15(Column D))", "Topic": "946", "URI": "http://asc.fasb.org/extlink&oid=122147990&loc=d3e611379-123010" }, "r754": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "SubTopic": "320", "Topic": "946", "URI": "http://asc.fasb.org/subtopic&trid=2324412" }, "r755": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "360", "Subparagraph": "(SX 210.12-28(Footnote 4))", "Topic": "970", "URI": "http://asc.fasb.org/extlink&oid=120402810&loc=d3e638233-123024" }, "r756": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "310", "Subparagraph": "(c)", "Topic": "976", "URI": "http://asc.fasb.org/extlink&oid=6497875&loc=d3e22274-108663" }, "r757": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "50", "SubTopic": "310", "Subparagraph": "(b)", "Topic": "978", "URI": "http://asc.fasb.org/extlink&oid=123360121&loc=d3e27327-108691" }, "r758": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b" }, "r759": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "d1-1" }, "r76": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-03.3)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227" }, "r760": { "Name": "Form 10-Q", "Number": "240", "Publisher": "SEC", "Section": "308", "Subsection": "a" }, "r761": { "Name": "Forms 10-K, 10-Q, 20-F", "Number": "240", "Publisher": "SEC", "Section": "13", "Subsection": "a-1" }, "r762": { "Name": "Industry Guide", "Number": "3", "Paragraph": "D-E", "Publisher": "SEC", "Section": "V" }, "r763": { "Name": "Regulation 12B", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b-2" }, "r764": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(a)", "Publisher": "SEC", "Section": "1402" }, "r765": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(b)", "Publisher": "SEC", "Section": "1402", "Subparagraph": "(1)" }, "r766": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(b)", "Publisher": "SEC", "Section": "1402", "Subparagraph": "(2)" }, "r767": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(b)", "Publisher": "SEC", "Section": "1402", "Subparagraph": "(3)" }, "r768": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(c)", "Publisher": "SEC", "Section": "1402", "Subparagraph": "(2)(i)" }, "r769": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(c)", "Publisher": "SEC", "Section": "1402", "Subparagraph": "(2)(ii)" }, "r77": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-03.4)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227" }, "r770": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(c)", "Publisher": "SEC", "Section": "1402", "Subparagraph": "(2)(iii)" }, "r771": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(b)", "Publisher": "SEC", "Section": "1403" }, "r772": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(a)", "Publisher": "SEC", "Section": "1404" }, "r773": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(b)", "Publisher": "SEC", "Section": "1404" }, "r774": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(a)", "Publisher": "SEC", "Section": "1405", "Subparagraph": "(1)" }, "r775": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(a)", "Publisher": "SEC", "Section": "1405", "Subparagraph": "(2)" }, "r776": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(a)", "Publisher": "SEC", "Section": "1405", "Subparagraph": "(3)" }, "r777": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(a)", "Publisher": "SEC", "Section": "1405", "Subparagraph": "(4)" }, "r778": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(c)", "Publisher": "SEC", "Section": "1405" }, "r779": { "Name": "Regulation S-K (SK)", "Number": "229", "Publisher": "SEC", "Section": "1406" }, "r78": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-03.6)", "Topic": "220", "URI": "http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227" }, "r780": { "Name": "Regulation S-K (SK)", "Number": "229", "Paragraph": "(e)", "Publisher": "SEC", "Section": "1406" }, "r781": { "Name": "Regulation S-T", "Number": "232", "Publisher": "SEC", "Section": "405" }, "r782": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "848" }, "r783": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)(1)", "Topic": "848" }, "r784": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)(2)", "Topic": "848" }, "r785": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)(3)(iii)(01)", "Topic": "848" }, "r786": { "Name": "Accounting Standards Codification", "Paragraph": "2", "Publisher": "FASB", "Section": "65", "SubTopic": "10", "Subparagraph": "(a)(3)(iii)(03)", "Topic": "848" }, "r79": { "Name": "Accounting Standards Codification", "Publisher": "FASB", "Topic": "220", "URI": "http://asc.fasb.org/topic&trid=2134417" }, "r8": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(1))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r80": { "Name": "Accounting Standards Codification", "Paragraph": "11", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3151-108585" }, "r81": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3179-108585" }, "r82": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3179-108585" }, "r83": { "Name": "Accounting Standards Codification", "Paragraph": "12", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3179-108585" }, "r84": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3213-108585" }, "r85": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(c)", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3213-108585" }, "r86": { "Name": "Accounting Standards Codification", "Paragraph": "13", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3213-108585" }, "r87": { "Name": "Accounting Standards Codification", "Paragraph": "14", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3255-108585" }, "r88": { "Name": "Accounting Standards Codification", "Paragraph": "14", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3255-108585" }, "r89": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3291-108585" }, "r9": { "Name": "Accounting Standards Codification", "Paragraph": "1", "Publisher": "FASB", "Section": "S99", "SubTopic": "10", "Subparagraph": "(SX 210.5-02(13))", "Topic": "210", "URI": "http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682" }, "r90": { "Name": "Accounting Standards Codification", "Paragraph": "15", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3291-108585" }, "r91": { "Name": "Accounting Standards Codification", "Paragraph": "24", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3521-108585" }, "r92": { "Name": "Accounting Standards Codification", "Paragraph": "25", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3536-108585" }, "r93": { "Name": "Accounting Standards Codification", "Paragraph": "28", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(a)", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3602-108585" }, "r94": { "Name": "Accounting Standards Codification", "Paragraph": "28", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3602-108585" }, "r95": { "Name": "Accounting Standards Codification", "Paragraph": "28", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3602-108585" }, "r96": { "Name": "Accounting Standards Codification", "Paragraph": "4", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3044-108585" }, "r97": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3095-108585" }, "r98": { "Name": "Accounting Standards Codification", "Paragraph": "9", "Publisher": "FASB", "Section": "45", "SubTopic": "10", "Subparagraph": "(b)", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123570139&loc=d3e3098-108585" }, "r99": { "Name": "Accounting Standards Codification", "Paragraph": "8", "Publisher": "FASB", "Section": "50", "SubTopic": "10", "Topic": "230", "URI": "http://asc.fasb.org/extlink&oid=123431023&loc=SL98516268-108586" } }, "version": "2.1" } ZIP 107 0001393612-21-000043-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001393612-21-000043-xbrl.zip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�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Ͷ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�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Ξ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end

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