The following table presents certain information regarding these operating segments at December 31, 2002, 2001 and 2000 and for each of the years then ended: (a) 2001 results include three significant items: (1) a charge at AEFA of $1.01 billion ($669 million after-tax) reflecting losses associated with high-yield securities recorded during the first half of 2001; (2) consolidated restructuring charges of $631 million ($411 million after-tax); and (3) the consolidated one-time adverse impact from the September 11th terrorist attacks of $98 million ($65 million after-tax). I 81 AXP I NOTES TO CONSOLIDATED FINANCIAL STATEMENTS American Travel Express American Adjustments Related Financial Express Corporate and (Millions) Services Advisors Bank and Other Eliminations Consolidated 2002 Revenues (GAAP basis) $ 17,721 $ 5,617 $ 745 $ 99 $ (375) $ 23,807 Net revenues (managed basis) 18,669 3,663 745 99 (375) 22,801 Interest and dividends, net 598 2,058 360 99 (124) 2,991 Cardmember lending net finance charge revenue: GAAP basis 1,485 — — — — 1,485 Managed basis 3,654 — — — — 3,654 Interest expense: GAAP basis 1,001 32 — 175 (126) 1,082 Managed basis 987 32 — 175 (126) 1,068 Pretax income (loss) 3,080 865 121 (339) — 3,727 Income tax provision (benefit) 945 233 41 (163) — 1,056 Net income (loss) 2,135 632 80 (176) — 2,671 Assets $ 72,205 $ 73,724 $ 13,234 $ 17,014 $ (18,924) $ 157,253 2001 Revenues (GAAP basis) $ 17,359 $ 4,791 $ 649 $ 123 $ (340) $ 22,582 Net revenues (managed basis) 18,102 2,825 649 123 (340) 21,359 Interest and dividends, net 710 1,162 302 123 (160) 2,137 Cardmember lending net finance charge revenue: GAAP basis 1,424 — — — — 1,424 Managed basis 3,138 — — — — 3,138 Interest expense: GAAP basis 1,454 26 — 182 (161) 1,501 Managed basis 1,487 26 — 182 (161) 1,534 Pretax income (loss) 1,979 (24) (14) (345) — 1,596 Income tax provision (benefit) 520 (76) (1) (158) — 285 Net income (loss) (a) 1,459 52 (13) (187) — 1,311 Assets $ 69,384 $ 71,471 $ 11,878 $ 15,726 $ (17,359) $ 151,100 2000 Revenues (GAAP basis) $ 17,120 $ 6,130 $ 591 $ 167 $ (333) $ 23,675 Net revenues (managed basis) 17,441 4,219 591 167 (333) 22,085 Interest and dividends, net 803 2,292 251 165 (221) 3,290 Cardmember lending net finance charge revenue: GAAP basis 1,255 — — — — 1,255 Managed basis 2,383 — — — — 2,383 Interest expense: GAAP basis 1,366 22 — 180 (214) 1,354 Managed basis 1,571 22 — 180 (214) 1,559 Pretax income (loss) 2,713 1,483 33 (321) — 3,908 Income tax provision (benefit) 784 451 4 (141) — 1,098 Net income (loss) 1,929 1,032 29 (180) — 2,810 Assets $ 71,419 $ 73,560 $ 11,413 $ 16,487 $ (18,456) $ 154,423