- Record diluted EPS of $2.34
- Stock price increase of over 200%
- Over 13% year-over-year decrease in delinquencies to 12.0%
- Over 14% decrease in annual adjusted charge-off rate to 9.5%
- Over 3% increase in annual net interest margin to 18.2%
- 50% increase in other credit card income ratio, with less than 4% increase in operating ratio
- Almost $100 million increase in cash flows from operations to $347 million for the year
- New $1.25 billion facility with Merrill Lynch to begin new receivables growth through traditional origination channels
