The following table presents our outstanding commitments to extend credit along with significant other commitments as of December 31, 2017 and December 31, 2016, respectively.

Table 98: Commitments to Extend Credit and Other Commitments



In millions	December 31 2017		December 31 2016
Commitments to extend credit
Total commercial lending	$	112,125	$	108,256
Home equity lines of credit	17,852		17,438
Credit card	24,911		22,095
Other	4,753		4,192
Total commitments to extend credit	159,641		151,981
Net outstanding standby letters of credit (a)	8,651		8,324
Reinsurance agreements (b)	1,654		1,835
Standby bond purchase agreements (c)	843		790
Other commitments (d)	1,732		967
Total commitments to extend credit and other commitments	$	172,521	$	163,897


(a)	Net outstanding standby letters of credit include $3.5 billion and $3.9 billion at December 31, 2017 and December 31, 2016, respectively, which support remarketing programs.

(b)

Represents aggregate maximum exposure up to the specified limits of the reinsurance contracts provided by our wholly-owned captive insurance subsidiary. These amounts reflect estimates based on availability of financial information from insurance carriers. As of December 31, 2017, the aggregate maximum exposure amount comprised $1.5 billion for accidental death & dismemberment contracts and $.2 billion for credit life, accident & health contracts. Comparable amounts at December 31, 2016 were $1.5 billion and $.3 billion, respectively.


(c)	We enter into standby bond purchase agreements to support municipal bond

obligations.


(d)	Includes $.5 billion related to investments in qualified affordable housing projects at both December 31, 2017 and December 31, 2016.