Note Regarding Forward-Looking Statements This Annual Report, including the Management’s Discussion and Analysis of Financial Condition and Results of Operations, contains statements which constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements relating to trends in the operations and financial results and the business and the products of MetLife, Inc.  (the “Holding Company”) and its subsidiaries (collectively, “MetLife” or the “Company”), as well as other statements including words such as “anticipate,” “believe,” “plan,” “estimate,” “expect,” “intend” and other similar expressions.
Forward-looking statements are made based upon management’s current expectations and beliefs concerning future developments and their potential effects on MetLife, Inc.  and its subsidiaries.
Such forward-looking statements are not guarantees of future performance.
See “Management’s Discussion and Analysis of Financial Condition and Results of Operations.
” Selected Financial Data The following selected financial data has been derived from the Company’s audited consolidated financial statements.
The statements of income data for the years ended December 31, 2006, 2005 and 2004 and the balance sheet data as of December 31, 2006 and 2005 have been derived from the Company’s audited financial statements included elsewhere herein.
The statements of income data for the years ended December 31, 2003 and 2002 and the balance sheet data as of December 31, 2004, 2003 and 2002 have been derived from the Company’s audited financial statements not included herein.
The selected financial data set forth below should be read in conjunction with “Management’s Discussion and Analysis of Financial Condition and Results of Operations” and the consolidated financial statements and related notes included elsewhere herein.
Some previously reported amounts have been reclassified to conform with the presentation at and for the year ended December 31, 2006.
## Table 0 ##
additional collateral, or reduce debt positions, when necessary.
These credit lines are primarily uncommitted loan facilities, as the Company reserves the right to not make any advances, or may terminate these credit lines at any time.
Factors considered in the review of these loans include, but are not limited to, the loan amount, the client’s credit profile, the degree of leverage, collateral diversification, price volatility and liquidity of the collateral.
Residential real estate loans consist of first and second lien mortgages, including HELOC loans.
The Company’s underwriting policy is designed to ensure that all borrowers pass an assessment of capacity and willingness to pay, which includes an analysis utilizing industry standard credit scoring models (e. g. , Fair Isaac Corporation (“FICO”) scores), debt ratios and assets of the borrower.
Loan-to-value ratios are determined based on independent third-party property appraisal/ valuations, and security lien position is established through title/ownership reports.
The vast majority of mortgage and HELOC loans are held for investment in the Wealth Management business segment’s loan portfolio.
For the year ended December 31, 2015, loans and lending commitments associated with the Wealth Management business segment lending activities increased by approximately 29%, mainly due to growth in PLA, LAL and residential real estate loans.
Wealth Management Lending Activities by Remaining Contractual Maturity.
## Table 1 ##
At December 31, 2014
## Table 2 ##
At December 31, 2015 and December 31, 2014, approximately 99.9% of the Wealth Management business segment loans held for investment were current, while approximately 0.1% were on nonaccrual status because the loans were past due for a period of 90 days or more or payment of principal or interest was in doubt.
The Wealth Management business segment also provides margin lending to clients and had an outstanding balance of $14.7 billion and $13.7 billion at December 31, 2015 and December 31, 2014, respectively, which were classified within Customer and other receivables within the consolidated statements of financial condition.
In addition, the Wealth Management business segment has employee loans that are granted primarily in conjunction with programs established by the Company to recruit and retain certain employees.
These loans, recorded in Customer and other receivables in the consolidated statements of financial condition, are full recourse, require periodic payments and have repayment terms ranging from 2 to 12 years.
The Company establishes an allowance for loan amounts it does not consider recoverable from terminated employees, which is recorded in Compensation and benefits expense.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Union Pacific Corporation and Subsidiary Companies For purposes of this report, unless the context otherwise requires, all references herein to the “Corporation”, “Company”, “UPC”, “we”, “us”, and “our” mean Union Pacific Corporation and its subsidiaries, including Union Pacific Railroad Company, which will be separately referred to herein as “UPRR” or the “Railroad”.1.
Nature of Operations Operations and Segmentation – We are a Class I railroad operating in the U. S.  Our network includes 32,122 route miles, linking Pacific Coast and Gulf Coast ports with the Midwest and Eastern U. S.  gateways and providing several corridors to key Mexican gateways.
We own 26,042 miles and operate on the remainder pursuant to trackage rights or leases.
We serve the western two-thirds of the country and maintain coordinated schedules with other rail carriers for the handling of freight to and from the Atlantic Coast, the Pacific Coast, the Southeast, the Southwest, Canada, and Mexico.
Export and import traffic is moved through Gulf Coast and Pacific Coast ports and across the Mexican and Canadian borders.
The Railroad, along with its subsidiaries and rail affiliates, is our one reportable operating segment.
Although we provide and analyze revenue by commodity group, we treat the financial results of the Railroad as one segment due to the integrated nature of our rail network.
The following table provides freight revenue by commodity group:

<table><tr><td></td><td colspan="5">Years Ended December 31,</td></tr><tr><td></td><td>2006</td><td>2005</td><td>2004</td><td>2003</td><td>2002</td></tr><tr><td></td><td colspan="5">(In millions)</td></tr><tr><td> Statement of Income Data-1</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Revenues:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Premiums</td><td>$26,412</td><td>$24,860</td><td>$22,200</td><td>$20,575</td><td>$19,020</td></tr><tr><td>Universal life and investment-type product policy fees</td><td>4,780</td><td>3,828</td><td>2,867</td><td>2,495</td><td>2,145</td></tr><tr><td>Net investment income-2</td><td>17,192</td><td>14,817</td><td>12,272</td><td>11,386</td><td>11,040</td></tr><tr><td>Other revenues</td><td>1,362</td><td>1,271</td><td>1,198</td><td>1,199</td><td>1,166</td></tr><tr><td>Net investment gains (losses)(2)(3)(4)</td><td>-1,350</td><td>-93</td><td>175</td><td>-551</td><td>-895</td></tr><tr><td>Total revenues-2(5)</td><td>48,396</td><td>44,683</td><td>38,712</td><td>35,104</td><td>32,476</td></tr><tr><td>Expenses:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Policyholder benefits and claims</td><td>26,431</td><td>25,506</td><td>22,662</td><td>20,811</td><td>19,455</td></tr><tr><td>Interest credited to policyholder account balances-4</td><td>5,246</td><td>3,925</td><td>2,997</td><td>3,035</td><td>2,950</td></tr><tr><td>Policyholder dividends</td><td>1,701</td><td>1,679</td><td>1,666</td><td>1,731</td><td>1,803</td></tr><tr><td>Other expenses</td><td>10,797</td><td>9,267</td><td>7,813</td><td>7,168</td><td>6,862</td></tr><tr><td>Total expenses-2(5)</td><td>44,175</td><td>40,377</td><td>35,138</td><td>32,745</td><td>31,070</td></tr><tr><td>Income from continuing operations before provision for income tax</td><td>4,221</td><td>4,306</td><td>3,574</td><td>2,359</td><td>1,406</td></tr><tr><td>Provision for income tax-2</td><td>1,116</td><td>1,228</td><td>996</td><td>585</td><td>418</td></tr><tr><td>Income from continuing operations</td><td>3,105</td><td>3,078</td><td>2,578</td><td>1,774</td><td>988</td></tr><tr><td>Income from discontinued operations, net of income tax-2</td><td>3,188</td><td>1,636</td><td>266</td><td>469</td><td>617</td></tr><tr><td>Income before cumulative effect of a change in accounting, net of income tax</td><td>6,293</td><td>4,714</td><td>2,844</td><td>2,243</td><td>1,605</td></tr><tr><td>Cumulative effect of a change in accounting, net of income tax-6</td><td>—</td><td>—</td><td>-86</td><td>-26</td><td>—</td></tr><tr><td>Net income</td><td>6,293</td><td>4,714</td><td>2,758</td><td>2,217</td><td>1,605</td></tr><tr><td>Preferred stock dividends</td><td>134</td><td>63</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Charge for conversion of company-obligated mandatorily redeemable securities of a subsidiary trust</td><td>—</td><td>—</td><td>—</td><td>21</td><td>—</td></tr><tr><td>Net income available to common shareholders</td><td>$6,159</td><td>$4,651</td><td>$2,758</td><td>$2,196</td><td>$1,605</td></tr></table>
<table><tr><td></td><td colspan="5"> At December 31, 2015</td></tr><tr><td></td><td colspan="4"> Years to Maturity</td><td></td></tr><tr><td></td><td> Less than 1</td><td> 1-3</td><td> 3-5</td><td> Over 5</td><td> Total</td></tr><tr><td></td><td colspan="5"> (dollars in millions)</td></tr><tr><td>Securities-based lending and other loans</td><td>$25,975</td><td>$1,004</td><td>$889</td><td>$749</td><td>$28,617</td></tr><tr><td>Residential real estate loans</td><td>—</td><td>—</td><td>35</td><td>20,870</td><td>20,905</td></tr><tr><td>Total</td><td>$25,975</td><td>$1,004</td><td>$924</td><td>$21,619</td><td>$49,522</td></tr><tr><td>Lending commitments</td><td>5,143</td><td>286</td><td>115</td><td>277</td><td>5,821</td></tr><tr><td>Total loans and lending commitments</td><td>$31,118</td><td>$1,290</td><td>$1,039</td><td>$21,896</td><td>$55,343</td></tr></table>
<table><tr><td></td><td colspan="5"> At December 31, 2014</td></tr><tr><td></td><td colspan="4"> Years to Maturity</td><td></td></tr><tr><td></td><td> Less than 1</td><td> 1-3</td><td> 3-5</td><td> Over 5</td><td> Total</td></tr><tr><td></td><td colspan="5"> (dollars in millions)</td></tr><tr><td>Securities-based lending and other loans</td><td>$19,408</td><td>$1,071</td><td>$750</td><td>$768</td><td>$21,997</td></tr><tr><td>Residential real estate loans</td><td>—</td><td>—</td><td>—</td><td>15,825</td><td>15,825</td></tr><tr><td>Total</td><td>$19,408</td><td>$1,071</td><td>$750</td><td>$16,593</td><td>$37,822</td></tr><tr><td>Lending commitments</td><td>4,192</td><td>290</td><td>131</td><td>301</td><td>4,914</td></tr><tr><td>Total loans and lending commitments</td><td>$23,600</td><td>$1,361</td><td>$881</td><td>$16,894</td><td>$42,736</td></tr></table>

Question: In which section the sum of Premiums and Universal life and investment-type product policy fees has the highest value?