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              [html]<thead><tr><td>Fiscal year</td><tdcolspan="2">2014</td><tdcolspan="2">2013</td><tdcolspan="2">2012</td></tr><tr><td></td><td>Amount</td><td>% of average credit card receivables †</td><td>Amount</td><td>% of average credit card receivables1</td><td>Amount</td><td>% of average credit card receivables1</td></tr></thead><tbody><tr><td>Credit card revenues</td><td>$ 396</td><td>18.2 %</td><td>$ 374</td><td>17.7 %</td><td>$ 372</td><td>17.9 %</td></tr><tr><td>Credit expenses</td><td>( 194 )</td><td>( 8.9 %)</td><td>( 186 )</td><td>( 8.8 %)</td><td>( 190 )</td><td>( 9.1 %)</td></tr><tr><td>Earnings before interest and income taxes2</td><td>202</td><td>9.3 %</td><td>188</td><td>8.9 %</td><td>182</td><td>8.8 %</td></tr><tr><td>Interest expense</td><td>( 18 )</td><td>( 0.8 %)</td><td>( 24 )</td><td>( 1.2 %)</td><td>( 26 )</td><td>( 1.2 %)</td></tr><tr><td>Intercompany merchant fees</td><td>108</td><td>5.0 %</td><td>97</td><td>4.6 %</td><td>89</td><td>4.3 %</td></tr><tr><td>Credit segment contribution, before income taxes</td><td>$ 292</td><td>13.5 %</td><td>$ 261</td><td>12.4 %</td><td>$ 245</td><td>11.8 %</td></tr><tr><td>Credit and debit card volume >:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Outside</td><td>$ 4.331</td><td></td><td>$ 4.273</td><td></td><td>$ 4.305</td><td></td></tr><tr><td>Inside</td><td>5.475</td><td></td><td>4.935</td><td></td><td>4.484</td><td></td></tr><tr><td>Total volume</td><td>$ 9.806</td><td></td><td>$ 9.208</td><td></td><td>$ 8.789</td><td></td></tr><tr><td>Average credit card receivables</td><td>$ 2.169</td><td></td><td>$ 2.108</td><td></td><td>$ 2.076</td><td></td></tr><tr><td>Average credit card receivable investment</td><td>434</td><td></td><td>422</td><td></td><td>415</td><td></td></tr><tr><td>Credit segment contribution4</td><td>40.9 %</td><td></td><td>38.2 %</td><td></td><td>36.6 %</td><td></td></tr></tbody>
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