Contract or

Notional Amount

2015

2014

Unused portions of home equity lines of credit

$

25,074,972

$

23,519,696

Other commitments to extend credit

66,189,395

59,558,700

Residential construction lines of credit

3,658,037

2,308,167

Commercial real estate and other construction lines of credit

15,586,595

15,894,462

Standby letters of credit and commercial letters of credit

1,859,059

1,714,382

Recourse on sale of credit card portfolio

262,625

265,650

MPF credit enhancement obligation, net (see Note 16)

1,051,601

1,007,250