The following table presents our outstanding commitments to extend credit along with significant other commitments as of December 31, 2018 and 2017, respectively.

Table 94: Commitments to Extend Credit and Other Commitments



In millions	December 31 2018		December 31 2017
Commitments to extend credit
Total commercial lending	$	120,165	$	112,125
Home equity lines of credit	16,944		17,852
Credit card	27,100		24,911
Other	5,069		4,753
Total commitments to extend credit	169,278		159,641
Net outstanding standby letters of credit (a)	8,655		8,651
Reinsurance agreements (b)	1,549		1,654
Standby bond purchase agreements (c)	1,000		843
Other commitments (d)	1,130		1,732
Total commitments to extend credit and other commitments	$	181,612	$	172,521


(a)	Net outstanding standby letters of credit include $3.7 billion and $3.5 billion at December 31, 2018 and 2017, 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, 2018, the aggregate maximum exposure amount comprised $1.3 billion for accidental death & dismemberment contracts and $.2 billion for credit life, accident & health contracts. Comparable amounts at December 31, 2017 were $1.5 billion and $.2 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, 2018 and 2017, respectively.