PARTIV Financial Statement Schedule Financial StatementSchedule The Financial Statement Schedule II—VALUATION AND QUALIFYING ACCOUNTS is filed as part of this Annual Report on Form10-K. Balanceat Charged/ Chargedto Charges Beginningof (Credited)to Other Utilized/ Balanceat (1) Period NetIncome Accounts (Write-offs) EndofPeriod (In millions) AllowanceforTransactionLossesandNegative CustomerBalances YearEndedDecember31,2020 $ 399 $ 1,135 $ — $ (1,120) $ 414 ANNU YearEndedDecember31,2021 $ 414 $ 1,153 $ — $ (1,212) $ 355 YearEndedDecember31,2022 $ 355 $ 1,170 $ — $ (1,247) $ 278 AL AllowanceforLoansandInterestReceivable REPOR YearEndedDecember31,2020 $ 258 $ 689 $ 210 $ (319) $ 838 T YearEndedDecember31,2021 $ 838 $ (104) $ — $ (243) $ 491 YearEndedDecember31,2022 $ 491 $ 437 $ — $ (330) $ 598 (1) Theamountisrelatedtotheimpactoftheadjustmentrecordedforadoptionofthecurrentexpectedcreditlossstandard. •2022AnnualReport 117