			Three Months Ended				Nine Months Ended
			September 30,				September 30,
(Millions)		2012		2011		2012		2011
Foreign currency conversion revenue		$	220	$	225	$	643	$	651
Delinquency fees			156		155		476		439
Service fees			81		89		263		266
Other			124		135		357		361
	Total other commissions and fees	$	581	$	604	$	1,739	$	1,717

		Three Months Ended				Nine Months Ended
		September 30,				September 30,
(Millions)		2012		2011		2012		2011
Global Network Services partner revenues		$	156	$	157	$	474	$	459
Net gain on investment securities			35		―		84		―
Other			386		377		1,250		1,087
	Total other revenues	$	577	$	534	$	1,808	$	1,546

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, Travelers Cheques related revenues, publishing revenues and other miscellaneous revenues and fees.

The following is a detail of marketing, promotion, rewards and cardmember services:

		Three Months Ended				Nine Months Ended
		September 30,				September 30,
(Millions)		2012		2011		2012		2011
Marketing and promotion		$	764	$	757	$	2,168	$	2,261
Cardmember rewards			1,496		1,565		4,425		4,755
Cardmember services			201		189		602		526
	Total marketing, promotion, rewards and cardmember services	$	2,461	$	2,511	$	7,195	$	7,542

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.

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
(Millions)	2012		2011		2012		2011
Professional services	$	690	$	690	$	2,092	$	2,098
Occupancy and equipment		453		433		1,337		1,218
Communications		93		93		284		280
MasterCard and Visa settlements, net of legal fees		―		(68)		―		(494)
Other		300		354		972		950
Total other, net	$	1,536	$	1,502	$	4,685	$	4,052

Other expense includes general operating expenses, gains (losses) on sale of assets or businesses not classified as discontinued operations, litigation, internal and regulatory review-related refunds and insurance costs or settlements, investment impairments and certain Loyalty Partner expenses.