text: Under certain circumstances, we may make modifications to payment terms for a customer experiencing financial difficulties in an effort to 
  help the customer avoid a charge-off or bankruptcy and to maximize our recovery of the outstanding balance. These modifications, which 
  meet the accounting definition of troubled debt restructurings (“TDRs”), include reduced or waived fees and finance charges, and/or reduced 
  minimum payments. Receivables classified as TDRs are as follows: 
  
  <html>
          <head> <meta charset="UTF-8">
          <style>
          table, th, td {
              border: 1px solid black;
              font-size: 10px;
          }
          </style> </head>
          <body>
          <table frame="hsides" rules="groups" width="100%%">
              [html]<thead><tr><td></td><td>Jallually J1 + EV10</td><td>Temperature</td></tr></thead><tbody><tr><td>Credit card receivables classified as TDRs</td><td>$ 34</td><td>$ 43</td></tr><tr><td>Percent of total credit card receivables classified as TDRs</td><td>1.5 %</td><td>2.0 %</td></tr></tbody>
          </table> </body> </html>