AMERICAN EXPRESS CO | 2013 | FY |

NOTE 19

Details of Certain Consolidated Statements of Income Lines

The following is a detail of other commissions and fees for the years ended December 31:

(Millions)		2013		2012		2011
Foreign currency conversion revenue		$	877	$	855	$	861
Delinquency fees			667		604		567
Service fees			375		362		355
Other^(a)			495		496		486
	Total other commissions and fees	$	2,414	$	2,317	$	2,269

Other primarily includes fee revenue from the Loyalty Partner business and fees related to Membership Rewards programs.

The following is a detail of other revenues for the years ended December 31:

(Millions)		2013		2012		2011
Global Network Services partner revenues		$	650	$	664	$	655
Net gain on investment securities			136		126		16
Other^(a)			1,488		1,635		1,493
	Total other revenues	$	2,274	$	2,425	$	2,164

Other includes revenues arising from insurance premiums earned from Card Member travel and other insurance programs, Travelers Cheques-related revenues, publishing revenues and other miscellaneous revenue and fees.

The following is a detail of marketing, promotion, rewards and Card Member services for the years ended December 31:

(Millions)			2013		2012		2011
Marketing and promotion			$	3,043	$	2,890	$	2,996
Card Member rewards				6,457		6,282		6,218
Card Member services				767		772		716
	Total marketing, promotion, rewards and
		Card Member services	$	10,267	$	9,944	$	9,930

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

The following is a detail of other, net for the years ended December 31:

(Millions)		2013		2012		2011
Professional services		$	3,102	$	2,963	$	2,951
Occupancy and equipment			1,904		1,823		1,685
Communications			379		383		378
MasterCard and Visa settlements,
	net of legal fees		―		―		(562)
Other^(a)			1,133		1,404		1,260
	Total other, net	$	6,518	$	6,573	$	5,712

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

AMERICAN EXPRESS CO | 2013 | FY |

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