Retail Card's revenue primarily consists of interest and fees on our loan receivables. The current expiration dates for these agreements range from 2022 through 2030. We also screen potential partners for reputational issues. FDIC insurance is provided for our deposit products up to applicable limits. We manage credit risk primarily according to customer segments and product types. Our customers can contact us via phone, mail, email, eService and eChat. We also utilize a third-party provider for our paper payment processing services. We used data analytics to identify gaps in our hiring and promotion processes. The Bank is a federally chartered savings association. In addition, the Bank, as an insured depository institution, is supervised by the FDIC. These programs typically provide cardholders with statement credit or cash back rewards. At December 31, 2020, all of the enrolled accounts have exited our forbearance programs. Synchrony is not currently required to conduct stress tests. For more information, see "Regulation—Savings and Loan Holding Company Regulation. We evaluate each portfolio quarterly. Our business is heavily concentrated in U.S. consumer credit. Realizing the benefits of those products and services is uncertain. In addition, we remain subject to conditions in the consumer credit environment. We contest liability and/or the amount of damages as appropriate in each pending matter. These committees and their risk-related roles are described below. We are continuing to evaluate the impact of the final rule on the Bank. There are no such restrictions under the FDIA on a bank that is "well-capitalized." Many of these requirements also apply broadly to our partners that accept our cards. We believe that our audits provide a reasonable basis for our opinion. 2016-13, Financial Instruments- Credit Losses (Topic 326), as of January 1, 2020. The assessment also included an evaluation of the conceptual soundness of the models. Non-accrual loan receivables are those on which we have stopped accruing interest. Reimbursements are estimated and accrued as income over the promotional period. These programs are primarily in our Retail Card platform. Loans are charged off, as applicable, after the investigation period has completed. Variable Interest Entities for further information on these restricted loans. ( On January 28, 2019, a purported shareholder derivative action, Gilbert v. Keane, et al.,