Calculate Interest Coverage for 2013 and 2014. Formula to use: Interest Coverage = EBITDA / Interest Expense

Consolidated Statements of Operations 2014 72,618 $ 2013 71,279 $ $ 72,618 51,278 14,676 71,279 50,039 14,465 2,129 (millions, except per share data) Sales Credit card revenues Total revenues Cost of sales Selling, general and administrative expenses Credit card expenses Depreciation and amortization Gain on receivables transaction Earnings from continuing operations before interest expense and income taxes Net interest expense Earnings from continuing operations before income taxes Provision for income taxes Net earnings from continuing operations Discontinued operations, net of tax Net (loss)/earnings Basic (loss)/earnings per share Continuing operations Discontinued operations Net (loss earnings per share Diluted (loss) earnings per share Continuing operations Discontinued operations Net (loss earnings per share Weighted average common shares outstanding Basic Dilutive effect of share-based awards Diluted 2012 71,960 1,341 73,301 50,568 14,643 467 2,044 (161) 5,740 684 5,056 1,741 3,315 (316) 2,999 1,996 (391) 5,170 1,049 4,121 1,427 2,694 (723) 1,971 $ 4,535 882 3,653 1,204 2,449 (4,085) (1,636) $ $ $ 3.86 $ (6.44) (2.58) $ 4.24 $ (1.14) 3.10 $ 5.05 (0.48) 4.57 $ $ 4.20 $ 3.83 $ (6.38) (2.56) $ (1.13) 5.00 (0.48) 4.52 $ 3.07 $ 635.1 634.7 5.4 640.1 3.3 656.7 6.6 663.3 5.0 641.8 2.3 Antidilutive shares