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18 ON THE WEB WEBSITES TO GET TO KNOW. PLAXO powers an address book system that consolidates all user contacts across sources, automatically cleans and updates contact information, and syncs the address book everywhere the user needs it—all securely backed up in the cloud. Further, Plaxo members can share their contact info with others using Plaxo's contact card sharing and profile features. e sheer number of emails that come in each day can be overwhelming, causing important messages to get lost among the chatter. FOLLOWUPTHEN transforms a cluttered inbox into a short series of action items that not only remind you about important messages you receive, but to follow up on messages you have sent out that require further follow-up. FollowUpen includes the ability to snooze an email, reminders to check important emails, reminders of recipients not replying, group reminders, and more. FollowUpen can be used with any email system on any device. SMARTDRAW makes creating business presentations and displaying information as pictures a breeze with quick-start templates for more than 70 different kinds of charts, diagrams, and other visuals. e company brands itself a more 'affordable' alternative to Visio and more 'powerful' than Microsoft Office, and counts Tesla, Pepsi, and FedEx among its clients. FOLLOWUPTHEN.COM 2 PLAXO.COM 1 SMARTDRAW.COM 3 BANKS' CREDIT EXPOSURE LESS RISKY THESE DAYS e Office of the Comptroller of the Currency (OCC), in its Quarterly Report on Bank Trading and Derivatives Activities for Q 3 2016, found that trading revenue for commercial banks and savings associations declined over the quarter but rose substantially over the year in the third quarter of last year. e OCC reported that bank trading revenue dropped by nearly 9 percent from Q2 to Q 3 in 2016, from $7 billion down to $6.4 billion, which "reflects a decline in combined interest rate and foreign exchange revenue," according to the OCC. At the same time, bank trading revenue shot up by nearly 20 percent from Q 3 2015 to Q 3 2016, an increase of approximately $1.1 billion. According to the OCC, bank trading results in the second and third quarters were the second-highest since 2000 for each quarter. While trading revenue was way up for banks, net current credit exposure (NCCE), the metric the OCC uses to evaluate credit risk in bank derivative activities, was way down over the quarter. e OCC reported that NCCE for banks and savings associations in the United States declined by 4.7 percent (approximately $24 billion) over the quarter in Q 3, down to approximately $481.7 billion at the end of the quarter. NCCE is down substantially from its peak of $804.1 billion at the end of 2008 in the midst of the financial crisis at a time when interest rates were very low and credit spreads were very high, according to the OCC. "e significant decline in NCCE since 2008 has largely resulted from declines in the gross positive fair value (GPFV) of interest rate and credit contracts," the OCC reported. Also according to the OCC, 1,438 commercial banks and savings associations in the United States held derivatives in the third quarter while four banks held almost 90 percent of the notional amount of derivatives, defined by the OCC as the "nominal or face amount that is used to calculate payments made on swaps and other risk management products." At 2.5 percent, the seriously delinquent rate is at the lowest level since August 2007. Source: CoreLogic Foreclosure Report. STAT INSIGHT 2.5