transactions and have requested financial damages and injunctive relief.
Defendants filed their Answer and Counterclaims to Plaintiffs' complaint for patent infringement denying the claims of patent infringement and asserting defenses, including noninfringement and invalidity.
Additionally, Defendants filed counterclaims asserting patent infringement of three patents and adding Fiserv, Inc.  as a Counter Defendant.
Defendants seek damages, injunctive relief and attorneys' fees.
Plaintiffs and Counter Defendant Fiserv, Inc. , filed their Answer to Defendants' counterclaims denying the claims of patent infringement and asserting defenses, including non-infringement and invalidity.
In the second quarter of 2012, the Defendants filed a Motion for Judgment on the Pleadings and a Motion to Stay Discovery.
The Court subsequently denied the Motion to Stay Discovery but has not yet ruled on the Motion for Judgment on the Pleadings.
In the third quarter of 2012, the Court entered a Case Management and Scheduling Order.
In the fourth quarter of 2012, the Court granted Plaintiffs' Motion to Amend its First Amended Complaint to add a fourth patent and Defendants' Motion to Amend its First Amended Answer and Counterclaims.
The Motion for Judgment on the Pleadings was denied as moot following entry of the amended complaint adding claims with respect to a fourth patent.
On December 3, 2012, Defendants filed a Motion for Summary Judgment seeking an order invalidating all of the Plaintiffs' asserted patents.
On January 15, 2013, Plaintiffs filed a Motion for Summary Judgment seeking to invalidate select patent claims from one of Defendants' asserted patents.
The Court has not yet ruled on either of the summary judgment motions.
Trial is scheduled for January 2014.
Discovery is ongoing.
Due to the early stage of this matter, an estimate of a possible loss or range of loss, if any, for this action cannot be made at this time.
Indemnifications and Warranties The Company generally indemnifies its customers, subject to certain exceptions, against damages and costs resulting from claims of patent, copyright, or trademark infringement associated with its customers' use of the Company's products or services.
Historically, the Company has not made any significant payments under such indemnifications, but continues to monitor the conditions that are subject to the indemnifications to identify whether it is probable that a loss has occurred, and would recognize any such losses when they are estimable.
In addition, the Company warrants to customers that its software operates substantially in accordance with the software specifications.
Historically, no significant costs have been incurred related to software warranties and no accruals for warranty costs have been made.
Item 4.
Mine Safety Disclosures.
Not applicable.
PART II Item 5.
Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities.
Our common stock trades on the New York Stock Exchange under the ticker symbol “FIS.
” The table set forth below provides the high and low closing sales prices of the common stock and the cash dividends declared per share of common stock for each quarter of 2012 and 2011.
## Table 0 ##
As of January 31, 2013, there were approximately 14,000 shareholders of record of our common stock.
We expect to continue to pay quarterly dividends, which were increased from $0.05 to $0.20 per share per quarter in 2012.
On February 12, 2013, the Board of Directors approved an additional increase to $0.22 per share per quarter beginning in the
GENERAL MOTORS COMPANY AND SUBSIDIARIES The following table summarizes the effect of the 363 Sale on the amounts owed to the UST and the EDC under the UST Loan Agreement, the DIP Facility and the EDC Loan Facility (dollars in millions):
## Table 1 ##
Secured Revolving Credit Facility In October 2010 we entered into a five year, $5.0 billion secured revolving credit facility, which includes a letter of credit sub-facility of up to $500 million.
While we do not believe that we will draw on the secured revolving credit facility to fund operating activities, the facility is expected to provide additional liquidity and financing flexibility.
Availability under the secured revolving credit facility is subject to borrowing base restrictions.
Our obligations under the secured revolving credit facility are guaranteed by certain of our domestic subsidiaries and by substantially all of our domestic assets, including accounts receivable, inventory, property, plants, and equipment, real estate, intercompany loans, intellectual property, trademarks and direct investments in Ally Financial.
Obligations are also secured by the equity interests in certain of our direct domestic subsidiaries, as well as up to 65% of the voting equity interests in certain of our direct foreign subsidiaries, in each case, subject to certain exceptions.
The collateral securing the secured revolving credit facility does not include, among other assets, cash, cash equivalents, marketable securities, as well as our investment in GM Financial, our investment in New Delphi and our equity interests in our China JVs and in GM Daewoo.
If the secured revolving credit facility is rated investment grade by two or more of the credit rating agencies (S&P, Moody’s and Fitch) the requirement to provide collateral is eliminated.
Depending on certain terms and conditions in the secured revolving credit facility, including compliance with the borrowing base requirements and certain other covenants, we will be able to add one or more pari passu first lien loan facilities.
We will also have the ability to secure up to $2.0 billion of certain non-loan obligations that we may designate from time to time as additional pari passu first lien obligations.
Second-lien debt is generally allowed but second lien debt maturing prior to the final maturity date of the secured revolving credit facility is limited to $3.0 billion in outstanding obligations.
Interest rates on obligations under the secured revolving credit facility are based on prevailing per annum interest rates for Eurodollar loans or an alternative base rate plus an applicable margin, in each case, based upon the credit rating assigned to the debt evidenced by the secured revolving credit facility.
The secured revolving credit facility contains representations, warranties and covenants customary for facilities of this nature, including negative covenants restricting us and our subsidiary guarantors from incurring liens, consummating mergers or sales of assets and incurring secured indebtedness, and restricting us from making restricted payments, in each case, subject to exceptions and limitations.
The secured revolving credit facility contains minimum liquidity covenants, which require us to maintain at least $4.0 billion in consolidated global liquidity and at least $2.0 billion in consolidated U. S.  liquidity.
Events of default under the secured revolving credit facility include events of default customary for facilities of this nature (including customary notice and/or grace periods, as applicable) such as: ?
The failure to pay principal at the stated maturity, interest or any other amounts owed under the secured revolving credit agreement or related documents;
and bear interest at rates based, at our option, on the Eurodollar rate or a bank Base Rate (as defined).
Each bank’s obligation to make loans under the credit facility is subject to, among other things, our compliance with various representations, warranties and covenants, including covenants limiting our ability and the ability of certain of our subsidiaries to encumber our assets, and a covenant not to exceed a maximum leverage ratio.
We have agreements in place with banking institutions to provide for the issuance of commercial paper.
There were no commercial paper borrowings outstanding at December 31, 2007.
If we were to issue commercial paper, the borrowings would be supported by the $1.5 billion credit facility.
We have an effective shelf registration statement on file with the Securities and Exchange Commission to provide for the issuance of up to $1 billion in debt securities.
If we were to issue debt under this shelf registration, we would expect to use the net proceeds for general corporate purposes.
These purposes may include repayment of debt, working capital needs, capital expenditures, acquisitions and any other general corporate purpose.
We actively seek to finance our business in a manner that preserves financial flexibility while minimizing borrowing costs to the extent practicable.
Our management continually reviews changes in financial, market and economic conditions to manage the types, amounts and maturities of our indebtedness.
We may at times refinance existing indebtedness, vary our mix of variable-rate and fixed-rate debt, or seek alternative financing sources for our cash and operational needs.
Cash and cash equivalents, Short-term investments, cash flow from operations and other available financing resources are expected to be sufficient to meet anticipated operating, capital expenditure and debt service requirements, as well as acquisition and other discretionary investment needs, projected over the next three years.
Contractual Commitments and Off-Balance Sheet Arrangements At December 31, 2007, we had contractual commitments to repay debt, make payments under operating leases, settle obligations related to agreements to purchase goods and services, and settle tax and other liabilities.
Capital lease obligations were negligible.
Payments due under these obligations and commitments are as follows:
## Table 2 ##
(a) The total amount of Long-term debt excludes unamortized discounts of $342 million (see Note 7).
(b) Interest payments include amounts for debt outstanding through maturity except for our $1 billion of convertible debentures, for which we have included payments through August 15, 2008.
Subsequent to that date, interest is no longer payable to holders, but rather will be included in the accreted principal of the debentures (see Note 7).
Long-term debt includes scheduled principal payments only.
Generally, our Long-term debt obligations are subject to, along with other things, compliance with certain covenants, including covenants limiting our ability and the ability of certain of our subsidiaries to encumber our assets.
Amounts related to Other liabilities represent the contractual obligations for certain long-term liabilities recorded as of December 31, 2007.
Such amounts mainly include expected payments under deferred compensation plans, non-qualified pension plans, environmental liabilities and business acquisition agreements.
Obligations related to environmental liabilities represent our estimate of remediation payment obligations under government consent decrees and agreements, excluding amounts reimbursed by the U. S.  Government in its capacity as a potentially responsible party.
The amounts also include liabilities related to tax positions we have taken for which we have recorded liabilities in accordance with the Financial Accounting Standards Board (FASB) Interpretation No.48, Accounting for Uncertainty in Income Taxes (see Notes 1 and 8).
We estimated the timing of payments based on the expected completion of the related examinations by the applicable taxing authorities.
Commission and brokerage expenses increased by 27.1% to $466.3 million in 2014 compared to $366.9 million in 2013.
The variance was due to the impact of the increase in premiums earned, change in the mix of business and higher contingent commissions.
Segment other underwriting expenses decreased slightly to $45.6 million in 2014 from $47.2 million in 2013.  International.
The following table presents the underwriting results and ratios for the International segment for the periods indicated.
## Table 3 ##
Premiums.
Gross written premiums decreased by 18.2% to $1,294.0 million in 2015 compared to $1,582.4 million in 2014, primarily due to declines in Latin American and Asian business, reductions in premiums related to quota share agreements and the negative impact of $86.8 million from the movement of foreign exchange rates.
Net written premiums decreased by 9.6% to $1,209.0 million in 2015 compared to $1,336.6 million in 2014.
The difference between the change in gross written premiums compared to the change in net written premiums is primarily due to varying utilization of reinsurance related to the quota share contracts.
Premiums earned decreased 4.6% to $1,251.1 million in 2015 compared to $1,310.9 million in 2014.
The change in premiums earned relative to net written premiums is primarily the result of timing; premiums are earned ratably over the coverage period whereas written premiums are recorded at the initiation of the coverage period.
Gross written premiums increased by 17.6% to $1,582.4 million in 2014 compared to $1,345.8 million in 2013, primarily due to new quota share contracts, partially offset by the negative impact of $47.9 million from the movement of foreign exchange rates.
Net written premiums increased by 0.7% to $1,336.6 million in 2014 compared to $1,327.4 million in 2013.
The variance of the change in gross written premiums compared to the change in net written premiums is due to a higher utilization of reinsurance related to the new quota share contracts.
Premiums earned increased 1.7% to $1,310.9 million in 2014 compared to $1,289.3 million in 2013.
The change in premiums earned relative to net written premiums is primarily the result of timing; premiums are earned ratably over the coverage period whereas written premiums are recorded at the initiation of the coverage period.

<table><tr><td></td><td>High</td><td>Low</td><td>Dividend</td></tr><tr><td>2012</td><td></td><td></td><td></td></tr><tr><td>First Quarter</td><td>$33.35</td><td>$26.43</td><td>$0.20</td></tr><tr><td>Second Quarter</td><td>$34.08</td><td>$31.24</td><td>$0.20</td></tr><tr><td>Third Quarter</td><td>$34.80</td><td>$30.71</td><td>$0.20</td></tr><tr><td>Fourth Quarter</td><td>$36.97</td><td>$30.89</td><td>$0.20</td></tr><tr><td>2011</td><td></td><td></td><td></td></tr><tr><td>First Quarter</td><td>$32.79</td><td>$27.95</td><td>$0.05</td></tr><tr><td>Second Quarter</td><td>$33.54</td><td>$30.07</td><td>$0.05</td></tr><tr><td>Third Quarter</td><td>$31.32</td><td>$24.10</td><td>$0.05</td></tr><tr><td>Fourth Quarter</td><td>$27.31</td><td>$22.58</td><td>$0.05</td></tr></table>
<table><tr><td></td><td colspan="3"> 363 Sale</td></tr><tr><td></td><td> Total  Obligation</td><td>Effect of 363 Sale</td><td> GM Obligation  Subsequentto  363 Sale</td></tr><tr><td> Description of Funding Commitment</td><td></td><td></td><td></td></tr><tr><td>Total UST Funding</td><td>$53,041</td><td>$-45,968</td><td>$7,073</td></tr><tr><td>Total EDC Funding</td><td>9,868</td><td>-8,576</td><td>1,292</td></tr><tr><td>Total UST and EDC Funding</td><td>$62,909</td><td>$-54,544</td><td>$8,365</td></tr></table>
<table><tr><td></td><td colspan="5"><i>Payments Due By Period</i></td></tr><tr><td><i>(In millions)</i></td><td><i>Total</i></td><td><i>Less Than1 Year</i></td><td><i>1-3</i><i>Years</i></td><td><i>3-5</i><i>Years</i></td><td><i>After</i><i>5 Years</i></td></tr><tr><td>Long-term debt<sup>(a)</sup></td><td>$4,749</td><td>$104</td><td>$243</td><td>$2</td><td>$4,400</td></tr><tr><td>Interest payments<sup>(b)</sup></td><td>4,945</td><td>308</td><td>512</td><td>492</td><td>3,633</td></tr><tr><td>Other liabilities</td><td>1,694</td><td>197</td><td>523</td><td>202</td><td>772</td></tr><tr><td>Operating lease obligations</td><td>1,104</td><td>295</td><td>419</td><td>268</td><td>122</td></tr><tr><td>Purchase obligations:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Operating activities</td><td>26,051</td><td>15,309</td><td>9,432</td><td>1,017</td><td>293</td></tr><tr><td>Capital expenditures</td><td>256</td><td>242</td><td>11</td><td>1</td><td>2</td></tr><tr><td>Total contractual cash obligations</td><td>$38,799</td><td>$16,455</td><td>$11,140</td><td>$1,982</td><td>$9,222</td></tr></table>
<table><tr><td></td><td colspan="3">Years Ended December 31,</td><td colspan="2">2015/2014</td><td colspan="2">2014/2013</td></tr><tr><td>(Dollars in millions)</td><td>2015</td><td>2014</td><td>2013</td><td>Variance</td><td>% Change</td><td>Variance</td><td>% Change</td></tr><tr><td>Gross written premiums</td><td>$1,294.0</td><td>$1,582.4</td><td>$1,345.8</td><td>$-288.4</td><td>-18.2%</td><td>$236.7</td><td>17.6%</td></tr><tr><td>Net written premiums</td><td>1,209.0</td><td>1,336.6</td><td>1,327.4</td><td>-127.7</td><td>-9.6%</td><td>9.2</td><td>0.7%</td></tr><tr><td>Premiums earned</td><td>$1,251.1</td><td>$1,310.9</td><td>$1,289.3</td><td>$-59.8</td><td>-4.6%</td><td>$21.6</td><td>1.7%</td></tr><tr><td>Incurred losses and LAE</td><td>749.9</td><td>748.2</td><td>675.4</td><td>1.7</td><td>0.2%</td><td>72.8</td><td>10.8%</td></tr><tr><td>Commission and brokerage</td><td>298.2</td><td>306.2</td><td>295.9</td><td>-8.0</td><td>-2.6%</td><td>10.3</td><td>3.5%</td></tr><tr><td>Other underwriting expenses</td><td>34.3</td><td>34.6</td><td>33.9</td><td>-0.3</td><td>-0.9%</td><td>0.7</td><td>2.0%</td></tr><tr><td>Underwriting gain (loss)</td><td>$168.7</td><td>$221.9</td><td>$284.2</td><td>$-53.2</td><td>-24.0%</td><td>$-62.3</td><td>-21.9%</td></tr><tr><td></td><td></td><td></td><td></td><td></td><td>Point Chg</td><td></td><td>Point Chg</td></tr><tr><td>Loss ratio</td><td>60.0%</td><td>57.1%</td><td>52.4%</td><td></td><td>2.9</td><td></td><td>4.7</td></tr><tr><td>Commission and brokerage ratio</td><td>23.8%</td><td>23.4%</td><td>22.9%</td><td></td><td>0.4</td><td></td><td>0.5</td></tr><tr><td>Other underwriting expense ratio</td><td>2.7%</td><td>2.6%</td><td>2.7%</td><td></td><td>0.1</td><td></td><td>-0.1</td></tr><tr><td>Combined ratio</td><td>86.5%</td><td>83.1%</td><td>78.0%</td><td></td><td>3.4</td><td></td><td>5.1</td></tr><tr><td colspan="2">(Some amounts may not reconcile due to rounding.)</td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table>

Question: In the year with lowest amount of Underwriting gain (loss), what's the increasing rate of Other underwriting expenses? (in %)