Details of Certain Consolidated Statements of Income Lines

3 Months Ended

Mar. 31, 2012

Other Income And Other Expense Disclosure [Abstract]

Details of Certain Consolidated Statements of Income Lines

13.Details of Certain Consolidated Statements of Income Line Items

The following is a detail of other commissions and fees for the three months ended March 31:

(Millions)		2012		2011
Foreign currency conversion revenue		$	207	$	213
Delinquency fees			162		143
Service fees			93		87
Other			121		86
	Total other commissions and fees	$	583	$	529

The following is a detail of other revenues for the three months ended March 31:

(Millions)		2012		2011
Global Network Services partner revenues		$	151	$	146
Insurance premium revenue			85		62
Gain on investment securities			24		―
Other			320		267
	Total other revenues	$	580	$	475

Other revenues include revenues arising from contracts with Global Network Services (GNS) partners including royalties and signing fees, insurance premiums earned from cardmember travel and other insurance programs, publishing revenues and other miscellaneous revenues and fees.

The following is a detail of marketing, promotion, rewards and cardmember services for the three months ended March 31:

(Millions)		2012		2011
Marketing and promotion		$	631	$	709
Cardmember rewards			1,467		1,577
Cardmember services			221		164
	Total marketing, promotion, rewards and cardmember services	$	2,319	$	2,450

Marketing and promotion expense includes advertising costs, which are expensed in the year in which the advertising first takes place. Cardmember rewards expense includes the costs of rewards programs, including Membership Rewards and co-brand arrangements. Cardmember services expense includes protection plans and complimentary services provided to cardmembers.

The following is a detail of other, net expense for the three months ended March 31:

(Millions)		2012		2011
Occupancy and equipment		$	438	$	394
Communications			96		95
MasterCard and Visa settlements, net of legal fees			―		(213)
Other			250		291
	Total other, net expense	$	784	$	567

Other, net expense includes general operating expenses, gains (losses) on sale of assets or businesses not classified as discontinued operations, litigation and insurance costs or settlements and certain Loyalty Partner expenses.