AMERICAN EXPRESS CO | 2013 | FY |

Accounts receivable as of December 31, 2013 and 2012 consisted of:

(Millions)	2013		2012
U.S. Card Services^(a)	$	21,842	$	21,124
International Card Services		7,771		7,778
Global Commercial Services^(b)		14,391		13,671
Global Network & Merchant Services^(c)		159		193
Card Member receivables^(d)		44,163		42,766
Less: Reserve for losses		386		428
Card Member receivables, net		43,777		42,338
Other receivables, net^(e)	$	3,408	$	3,576

Includes $7.3 billion and $7.5 billion of gross Card Member receivables available to settle obligations of consolidated VIEs as of December 31, 2013 and 2012, respectively.
Includes $476 million of gross Card Member receivables available to settle obligations of a consolidated VIE as of December 31, 2012. Also includes $836 million and $913 million due from airlines, of which Delta Air Lines (Delta) comprises $628 million and $676 million as of December 31, 2013 and 2012, respectively.
Includes receivables primarily related to the Company's International Currency Card portfolios.
Includes approximately $13.8 billion and $13.7 billion of Card Member receivables outside the U.S. as of December 31, 2013 and 2012, respectively.
Other receivables primarily represent amounts related to (i) purchased joint venture receivables, (ii) certain merchants for billed discount revenue, and (iii) GNS partner banks for items such as royalty and franchise fees. Other receivables are presented net of reserves for losses of $71 million and $86 million as of December 31, 2013 and 2012, respectively.