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For financial instruments where no quoted market prices are available, fair value is estimated using information obtained from third parties, or by discounting the expected cash flow(s) using an estimated current market interest rate for the financial instrument.
The short duration of our assets and liabilities results in a significant number of financial instruments for which fair value equals or closely approximates the amount reported in our consolidated statement of condition.
These financial instruments are reported in the following captions in our consolidated statement of condition: cash and due from banks; interest-bearing deposits with banks; securities purchased under resale agreements; accrued income receivable; deposits; securities sold under repurchase agreements; federal funds purchased; and short-term borrowings.
In addition, due to the relatively short duration of a portion of our net loans (excluding leases), we consider fair value for these loans to approximate their reported value.
The fair value of other types of loans, such as the structured asset-backed loans added in connection with the May 2009 conduit consolidation and the commercial real estate loans acquired in 2008 pursuant to indemnification obligations, is estimated by discounting expected future cash flows using current rates at which similar loans would be made to borrowers with similar credit ratings for the same remaining maturities.
Loan commitments have no reported value because terms are at prevailing market rates.
The reported amounts and estimated fair values for financial instruments defined by current accounting standards, excluding the aforementioned short-term financial instruments and financial assets and liabilities carried at fair value on a recurring basis, were as follows as of December 31, 2009 and 2008:
## Table 0 ##
Note 14.
Equity-Based Compensation In May 2009, our shareholders amended the 2006 Equity Incentive Plan to increase the number of shares of common stock approved for issuance for stock and stock-based awards, including stock options, stock appreciation rights, restricted stock, deferred stock and performance awards, from 20,000,000 shares to 37,000,000 shares.
As of December 31, 2007, 6,461,698 shares have been awarded under the 2006 Plan.
As of December 31, 2008, 12,173,627 shares have been awarded under the 2006 Plan.
As of December 31, 2009, 17,478,342 shares have been awarded under the 2006 Plan.
In addition, up to 8,000,000 shares from our 1997 Equity Incentive Plan which were available to issue or became available to issue due to cancellations and forfeitures, may be awarded under the 2006 Plan.
The 1997 Plan expired on December 18, 2006.
As of December 31, 2009, 5,038,674 shares from the 1997 Plan have been added to, and may be awarded from, the 2006 Plan.
We have stock options outstanding from the 1997 Plan under which no further grants can be made.
The exercise price of non-qualified and incentive stock options and stock appreciation rights may not be less than the fair value of such shares on the date of grant.
Stock options and stock appreciation rights issued under
action commenced by the California Attorney General, we are providing customers with greater transparency into the pricing of this product and other alternatives offered by us for addressing their foreign exchange requirements.
Although we believe such disclosures will address customer interests for increased transparency, over time such action may result in pressure on our pricing of this product or result in clients electing other foreign exchange execution options, which would have an adverse impact on the revenue from, and profitability of, this product for us.
We may be exposed to customer claims, financial loss, reputational damage and regulatory scrutiny as a result of transacting purchases and redemptions relating to the unregistered cash collateral pools underlying our securities lending program at a net asset value of $1.00 per unit rather than a lower net asset value based upon market value of the underlying portfolios.
A portion of the cash collateral received by customers under our securities lending program is invested in cash collateral pools that we manage.
Interests in these cash collateral pools are held by unaffiliated customers and by registered and unregistered investment funds that we manage.
Our cash collateral pools that are money market funds registered under the Investment Company Act of 1940 are required to maintain, and have maintained, a constant net asset value of $1.00 per unit.
The remainder of our cash collateral pools are collective investment funds that are not required to be registered under the Investment Company Act.
These unregistered cash collateral pools seek, but are not required, to maintain, and transact purchases and redemptions at, a constant net asset value of $1.00 per unit.
Our securities lending operations consist of two components; a direct lending program for third-party investment managers and asset owners, the collateral pools for which we refer to as direct lending collateral pools; and investment funds with a broad range of investment objectives that are managed by SSgA and engage in securities lending, which we refer to as SSgA lending funds.
The following table shows the aggregate net asset values of the unregistered direct lending collateral pools and the aggregate net asset value of the unregistered collateral pools underlying the SSgA lending funds, in each case based on a constant net asset value of $1.00 per unit.
## Table 1 ##
(1) Certain of the SSgA lending funds were participants in the direct lending collateral pools until October 2008.
The direct lending collateral pool balances at December 31, 2007 related to SSgA lending funds have been included within the SSgA lending fund balances and excluded from the direct lending collateral pool balances presented above.
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In June 2009, we redeemed the $2 billion preferred stock portion of the equity investment issued to Treasury in October 2008 under the TARP Capital Purchase Program, reducing retained earnings, and as a result earnings available to common shareholders, by approximately $106 million for 2009, by accelerating the accretion of the remaining discount on the preferred stock into 2009.
In July 2009, we repurchased the related warrant to purchase shares of our common stock from Treasury for $60 million, concluding our participation in the program (see note 12); ?
We recorded interest revenue of $621 million in 2009 associated with discount accretion on investment securities added in connection with the May 2009 conduit consolidation (see the “Net Interest Revenue” section of this Management’s Discussion and Analysis and note 11); ?
During the third quarter of 2009, we recorded an additional provision for legal exposure of $250 million, to increase the reserve initially established in 2007 associated with certain active fixed-income strategies managed by SSgA.
We settled regulatory inquiries by the SEC, the Massachusetts Secretary of State and the Massachusetts Attorney General’s Office related to this exposure in February 2010, and the reserve remaining at that time was sufficient to cover the cost of the settlements (see notes 10 and 20); and ?
We recorded provisions for loan losses of $149 million, of which $124 million related to commercial real estate loans acquired in 2008 pursuant to indemnification obligations, reflecting management’s change in expectations of future principal and interest cash flows with respect to certain of the loans (see note 4).
CONSOLIDATED RESULTS OF OPERATIONS This section discusses our consolidated results of operations for 2009 compared to 2008, and should be read in conjunction with the consolidated financial statements and accompanying notes included under Item 8.
A comparison of consolidated results of operations for 2008 with those for 2007 is provided in the “Comparison of 2008 and 2007” section of this Management’s Discussion and Analysis.
TOTAL REVENUE
## Table 2 ##
Our broad range of services generates fee revenue and net interest revenue.
Fee revenue generated by our investment servicing and investment management businesses is augmented by securities finance, trading services and processing fee and other revenue.
We earn net interest revenue from customers’ deposits and short-term investment activities, by providing deposit services and short-term investment vehicles, such as repurchase agreements and commercial paper, to meet customers’ needs for high-grade liquid investments, and investing these sources of funds and additional borrowings in assets yielding a higher rate.

Tables referenced above, in order (Table 0 first):
<table><tr><td> (In millions)</td><td> Reported Amount</td><td> Fair Value</td></tr><tr><td> 2009:</td><td></td><td></td></tr><tr><td>Financial Assets:</td><td></td><td></td></tr><tr><td>Investment securities held to maturity</td><td>$20,877</td><td>$20,928</td></tr><tr><td>Net loans (excluding leases)</td><td>9,013</td><td>8,729</td></tr><tr><td>Financial Liabilities:</td><td></td><td></td></tr><tr><td>Long-term debt</td><td>8,838</td><td>8,461</td></tr><tr><td> 2008:</td><td></td><td></td></tr><tr><td>Financial Assets:</td><td></td><td></td></tr><tr><td>Investment securities:</td><td></td><td></td></tr><tr><td>Purchased under money market liquidity facility</td><td>$6,087</td><td>$6,101</td></tr><tr><td>Held to maturity</td><td>15,767</td><td>14,311</td></tr><tr><td>Net loans (excluding leases)</td><td>7,269</td><td>7,269</td></tr><tr><td>Financial Liabilities:</td><td></td><td></td></tr><tr><td>Long-term debt</td><td>4,419</td><td>3,510</td></tr></table>
<table><tr><td>(in billions)</td><td>December 31, 2009</td><td>December 31, 2008</td><td>December 31, 2007<sup>-1</sup></td></tr><tr><td>Direct lending collateral pools</td><td>$85</td><td>$85</td><td>$150</td></tr><tr><td>Collateral pools underlying SSgA lending funds</td><td>24</td><td>31</td><td>44</td></tr></table>
<table><tr><td> Years ended December 31,</td><td> 2009</td><td>2008</td><td>2007</td><td>% Change 2008-2009</td></tr><tr><td> (Dollars in millions)</td><td></td><td></td><td></td><td></td></tr><tr><td>Fee revenue:</td><td></td><td></td><td></td><td></td></tr><tr><td>Servicing fees</td><td>$3,276</td><td>$3,745</td><td>$3,388</td><td>-13%</td></tr><tr><td>Management fees</td><td>824</td><td>1,028</td><td>1,141</td><td>-20</td></tr><tr><td>Trading services</td><td>1,094</td><td>1,467</td><td>1,152</td><td>-25</td></tr><tr><td>Securities finance</td><td>570</td><td>1,230</td><td>681</td><td>-54</td></tr><tr><td>Processing fees and other</td><td>171</td><td>277</td><td>271</td><td>-38</td></tr><tr><td>Total fee revenue</td><td>5,935</td><td>7,747</td><td>6,633</td><td>-23</td></tr><tr><td>Net interest revenue:</td><td></td><td></td><td></td><td></td></tr><tr><td>Interest revenue</td><td>3,286</td><td>4,879</td><td>5,212</td><td>-33</td></tr><tr><td>Interest expense</td><td>722</td><td>2,229</td><td>3,482</td><td>-68</td></tr><tr><td>Net interest revenue</td><td>2,564</td><td>2,650</td><td>1,730</td><td>-3</td></tr><tr><td>Gains (Losses) related to investment securities, net</td><td>141</td><td>-54</td><td>-27</td><td></td></tr><tr><td>Gain on sale of CitiStreet interest, net of exit and other associated costs</td><td>—</td><td>350</td><td>—</td><td>—</td></tr><tr><td>Total revenue</td><td>$8,640</td><td>$10,693</td><td>$8,336</td><td>-19</td></tr></table>

Question: In the year with the most Servicing fees for Fee revenue, what is the growth rate of Total fee revenue for Fee revenue?
Answer: -0.2339
Reasoning program: subtract(5935,7747), divide(#0,7747)