CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) - USD ($) $ in Millions		9 Months Ended
		Sep. 30, 2015		Sep. 30, 2014
Cash flows from operating activities
Net income (loss)		$ (258)		$ 487
Loss from discontinued operations		(8)		(22)
Income (loss) from continuing operations		(250)		509
Adjustments to reconcile income (loss) to net cash used in operating activities:
Provision for credit losses		237	[1]	(238)
Lower of amortized cost or fair value adjustment on receivables held for sale		154		(292)
Gain on sale of real estate owned, including lower of amortized cost or fair value adjustments		(1)		(19)
Depreciation and amortization		5		6
Mark-to-market on debt designated at fair value and related derivatives		(9)		57
Foreign exchange and derivative movements on long-term debt and net change in non-fair value option related derivative assets and liabilities		(411)		(567)
Net change in other assets		(296)		311
Net change in other liabilities		260		(128)
Other, net		(5)		124
Cash used in operating activities – continuing operations		(316)		(237)
Cash provided by operating activities – discontinued operations		22		49
Cash used in operating activities		(294)		(188)
Cash flows from investing activities
Net change in securities purchased under agreements to resell		3,332		2,083
Net change in interest bearing deposits with banks		497		0
Receivables:
Net collections		1,695		1,504
Proceeds from sales of receivables		431		1,237
Proceeds from sales of real estate owned		159		413
Sales of properties and equipment		54		0
Cash provided by investing activities – continuing operations		6,168		5,237
Cash provided by investing activities – discontinued operations		0		0
Cash provided by investing activities		6,168		5,237
Debt:
Net change in due to affiliates		(2,002)		(1,812)
Long-term debt retired		(3,805)		(3,146)
Shareholders’ dividends		(93)		(93)
Cash used in financing activities – continuing operations		(5,900)		(5,051)
Cash used in financing activities – discontinued operations		0		0
Cash used in financing activities		(5,900)		(5,051)
Net change in cash		(26)		(2)
Cash at beginning of period	[2]	175		198
Cash at end of period	[3]	149		196
Supplemental Noncash Investing and Capital Activities:
Fair value of properties added to real estate owned		100		217
Transfer of receivables to held for sale		$ 10,250		$ 748

[1] The provision for credit losses and charge-offs for real estate secured receivables during the three and nine months ended September 30, 2015 includes $12 million and $232 million, respectively, related to the lower of amortized cost or fair value adjustment attributable to credit factors for receivables transferred to held for sale. See Note 5, "Receivables Held for Sale," for additional information. The provision for credit losses for real estate secured receivables during the nine months ended September 30, 2015 was impacted by a release of approximately $19 million associated with a correction to our credit loss reserve calculation for a segment of our portfolio.

[2] Cash at beginning of period includes $18 million and $23 million for discontinued operations as of January 1, 2015 and 2014, respectively.

[3] Cash at end of period includes $18 million and $23 million for discontinued operations as of September 30, 2015 and 2014, respectively.