CONSOLIDATED STATEMENT OF CASH FLOWS - USD ($) $ in Millions		9 Months Ended
		Sep. 30, 2016	Sep. 30, 2015
Cash flows from operating activities
Net loss		$ (612)	$ (258)
Loss from discontinued operations		(6)	(8)
Loss from continuing operations		(606)	(250)
Adjustments to reconcile loss from continuing operations to net cash used in operating activities:
Provision for credit losses	[1]	621	237
Lower of amortized cost or fair value adjustment on receivables held for sale		119	154
Gain on sale of real estate secured receivables		(418)	(20)
Gain on sale of real estate owned, including lower of amortized cost or fair value adjustments		(2)	(1)
Payment for securities litigation liability		(1,575)	0
Depreciation and amortization		1	5
Mark-to-market on debt designated at fair value and related derivatives		6	(9)
Foreign exchange and derivative movements on long-term debt and net change in non-fair value option related derivative assets and liabilities		26	(411)
Net change in other assets		(264)	(296)
Net change in other liabilities		232	260
Other, net		12	15
Cash used in operating activities – continuing operations		(1,848)	(316)
Cash provided by (used in) operating activities – discontinued operations		(27)	22
Cash used in operating activities		(1,875)	(294)
Cash flows from investing activities
Net change in securities purchased under agreements to resell		1,900	3,332
Net change in interest bearing deposits with banks		0	497
Receivables:
Net collections		1,322	1,695
Proceeds from sales of receivables		5,382	431
Proceeds from sales of real estate owned		99	159
Sales of properties and equipment		2	54
Cash provided by investing activities – continuing operations		8,705	6,168
Cash provided by investing activities – discontinued operations		0	0
Cash provided by investing activities		8,705	6,168
Debt:
Net change in due to affiliates		(1,102)	(2,002)
Long-term debt retired		(5,074)	(3,805)
Redemption of preferred stock		(575)	0
Shareholders’ dividends		(84)	(93)
Cash used in financing activities – continuing operations		(6,835)	(5,900)
Cash used in financing activities – discontinued operations		0	0
Cash used in financing activities		(6,835)	(5,900)
Net change in cash		(5)	(26)
Cash at beginning of period	[2]	136	175
Cash at end of period	[3]	131	149
Supplemental Noncash Investing and Capital Activities:
Fair value of properties added to real estate owned		55	100
Transfer of receivables to held for sale		$ 7,574	$ 10,250

[1] The provision for credit losses and charge-offs for real estate secured receivables during the three and nine months ended September 30, 2016 include $557 million and $576 million, respectively, related to the lower of amortized cost or fair value adjustment attributable to credit factors for receivables transferred to held for sale. For the three and nine months ended September 30, 2015, the provision for credit losses and charge-offs included $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 4, "Receivables Held for Sale," for additional information. During the nine months ended September 30, 2016, net charge-offs dollars were impacted by an out of period adjustment which decreased net charge-offs by $12 million in order to properly reflect charge-offs for receivables which received a partial forgiveness of principal as a result of an account modification in prior periods. 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 $12 million and $18 million for discontinued operations at January 1, 2016 and 2015, respectively.

[3] Cash at end of period includes $11 million and $18 million for discontinued operations at September 30, 2016 and 2015, respectively.