paper agreement, we pay a rate of interest based on, among other factors, the maturity of the issuance and market conditions. The issuance 
of commercial paper has the effect, while it is outstanding, of reducing borrowing capacity under our revolver by an amount equal to the 
principal amount of commercial paper. 
During 2014 and 2013, we had no issuances under our commercial paper program and no borrowings under our revolver.
In November 2013, our wholly owned subsidiary in Puerto Rico entered into a $52 unsecured borrowing facility that expires in November 
2018 to support our expansion into that market. As of January 31, 2015, we had $37 outstanding on this facility.