our segments at december 31 , 2018 , we had two operating segments : consumer and insurance ; and acquisitions and servicing . the remaining components ( which we refer to as “ other ” ) consist of our non-originating legacy operations , which primarily include our liquidating real estate loan portfolio and our liquidating retail sales finance portfolio . see note 22 of the notes to the consolidated financial statements included in this report for more information about our segments . how we assess our business performance we closely monitor the primary drivers of pretax operating income , which consist of the following : net interest income we track the spread between the interest income earned on our finance receivables and the interest expense incurred on our debt , and continually monitor the components of our yield and our cost of funds . net credit losses the credit quality of our loans is driven by our underwriting philosophy , which considers the prospective customer 's household budget , his or her willingness and capacity to repay , and the underlying collateral on the loan . we closely analyze credit performance because the profitability of our loan portfolio is directly connected to net credit losses . we define net credit losses as gross charge-offs minus recoveries in the portfolio . additionally , because delinquencies are an early indicator of future net credit losses , we analyze delinquency trends , adjusting for seasonality , to determine whether or not our loans are performing in line with our original estimates . we also monitor recovery rates because of their contribution to the reduction in the severity of our charge-offs . operating expenses we assess our operational efficiency using various metrics and conduct extensive analysis to determine whether fluctuations in cost and expense levels indicate operational trends that need to be addressed . our operating expense analysis also includes a review of origination and servicing costs to assist us in managing overall profitability . because loan volume and portfolio size determine the magnitude of the impact of each of the above factors on our earnings , we also closely monitor origination volume and annual percentage rate . 45 recent developments and outlook recent developments apollo-värde transaction on january 3 , 2018 , the apollo-värde group entered into a share purchase agreement with sfh and the company to acquire from sfh 54,937,500 shares of our common stock representing the entire holdings of our stock beneficially owned by fortress . the apollo-värde transaction closed on june 25 , 2018 for an aggregate purchase price of approximately $ 1.4 billion in cash . as disclosed in note 21 of the notes to the consolidated financial statements in this report , certain executives of the company had previously been granted incentive units that only provide benefits ( in the form of distributions ) if sfh were to make distributions to one or more of its common members that exceed specified amounts . in connection with the apollo-värde transaction , certain executive officers who were holders of sfh incentive units received a distribution of approximately $ 106 million in the aggregate from sfh as a result of their ownership interests in sfh . although the distribution was not made by the company or its subsidiaries , in accordance with asc topic 710 , compensation-general , we recorded non-cash incentive compensation expense of approximately $ 106 million , with an equal and offsetting increase to additional paid-in-capital . the impact to the company was non-cash , equity neutral and not tax deductible . aig share sale transaction on february 21 , 2018 , omh entered into an underwriting agreement among omh , sfh and morgan stanley & co. llc as underwriter in connection with the sale by sfh of 4,179,678 shares of its common stock . these shares were beneficially owned by aig and represented the entire holdings of our common stock beneficially owned by aig . in connection with this sale of our common stock by sfh , certain executive officers who are holders of sfh incentive units , as described above , received a distribution of approximately $ 4 million in the first quarter of 2018. consistent with the accounting for distribution from the apollo-värde transaction described above , the company recognized non-cash incentive compensation expense of approximately $ 4 million , with an equal and offsetting increase to additional paid-in-capital . the impact to the company was non-cash , equity neutral and not tax deductible . appointment of new member of the board of directors , president , and chief executive officer at omh on july 13 , 2018 , we announced that our company 's board of directors had appointed douglas h. shulman as the company 's president and chief executive officer . mr. shulman succeeds jay n. levine who remains chairman of the board . on september 8 , 2018 , mr. shulman began his first day of employment and was also appointed to the company 's board of directors . cost synergies from the onemain acquisition and the lendmark sale as of december 31 , 2018 , we had incurred approximately $ 293 million of total acquisition-related transaction and integration expenses ( $ 54 million incurred during 2018 ) from the onemain acquisition and the lendmark sale . as part of our integration efforts in connection with the onemain acquisition , on may 29 , 2018 , the company entered into a share purchase agreement to sell all of the issued and outstanding shares of its former insurance subsidiary , yosemite . story_separator_special_tag see notes 2 and 7 of the notes to the consolidated financial statements included in this report for more information regarding the real estate loan sales . 52 acquisition-related transaction and integration expenses incurred as a result of the onemain acquisition and the lendmark sale include ( i ) compensation and employee benefit costs , such as retention awards and severance costs , ( ii ) accelerated amortization of acquired software assets , ( iii ) rebranding to the onemain brand , ( iv ) branch infrastructure and other fixed asset integration costs , ( v ) information technology costs , such as internal platform development , software upgrades and licenses , and technology termination costs , ( vi ) legal fees and project management costs , ( vii ) system conversions , including human capital management , marketing , risk , and finance functions , and ( viii ) other costs and fees directly related to the onemain acquisition and integration . 53 segment results see note 22 of the notes to the consolidated financial statements included in this report for ( i ) a description of our segments , ( ii ) reconciliations of segment totals to consolidated financial statement amounts and ( iii ) methodologies used to allocate revenues and expenses to each segment . consumer and insurance adjusted pretax income and selected financial statistics for consumer and insurance ( which are reported on an adjusted segment accounting basis ) were as follows : replace_table_token_6_th ( a ) see “ glossary ” at the beginning of this report for formulas and definitions of our key performance ratios . ( b ) includes personal loans held for sale in 2016 in connection with the lendmark sale . 54 comparison of adjusted pretax income for 2018 and 2017 interest income increased $ 372 million or 11 % in 2018 when compared to 2017 primarily due to continued growth in our loan portfolio . interest expense increased $ 79 million or 10 % in 2018 when compared to 2017 primarily due to the increase in average debt balances consistent with the growth in our loan portfolio and our strategic shifting of our funding to a more proportional mix of secured and unsecured debt . see notes 12 and 13 of the notes to the consolidated financial statements included in this report for further information on our long-term debt , securitization transactions and our conduit facilities . provision for finance receivable losses increased $ 84 million in 2018 when compared to 2017 primarily driven by the growth in our loan portfolio and the proportional growth in loans classified as tdrs . this increase was partially offset by $ 12 million in the 2017 provision attributable to the hurricanes harvey and irma . the level of allowance for finance receivable losses as a percentage of net finance receivables has decreased from 2017 due to the continued change in portfolio mix to more secured personal loans , and improvement in the effectiveness of our collections . other revenues decreased $ 7 million or 1 % in 2018 when compared to 2017 primarily due to a decrease in investment revenue of $ 17 million primarily driven by lower realized gains on the sale of investment securities in 2018 offset by an increase in insurance revenues of $ 9 million during 2018 from higher insurance productivity . other expenses increased $ 57 million or 4 % in 2018 when compared to 2017 primarily reflecting our initiatives to reinvest in the business and growth in our operations . comparison of adjusted pretax income for 2017 and 2016 interest income decreased $ 23 million in 2017 when compared to 2016 due to the net of the following : interest income on finance receivables held for sale decreased $ 56 million in 2017 due to the transfer of our personal loans to finance receivables held for sale in 2015 that were sold in the lendmark sale in may of 2016. finance charges increased $ 33 million primarily due to the net of the following : average net receivables held for investment increased primarily due to the continued growth in our personal loan portfolio . yield on finance receivables held for investment decreased primarily due to the continued shift of the portfolio towards secured personal loans and direct auto customers who tend to have loans with lower yields and lower charge offs relative to our unsecured personal loans . interest expense increased $ 27 million in 2017 when compared to 2016 primarily due to an increase in the utilization of financing from unsecured notes which generally have higher interest rates relative to our other indebtedness . provision for finance receivable losses increased $ 52 million in 2017 when compared to 2016 primarily due to ( i ) the growth in our personal loan portfolio during the past 12 months , ( ii ) continued alignment and enhancement of our collection practices which resulted in an increase in the loans now classified as tdr and ( iii ) the estimated impacts of hurricanes harvey and irma . based on information available at the time , we estimated the impact to net charge-offs attributable to these hurricanes to be $ 12 million and increased our provision for finance receivable losses accordingly . other revenues decreased $ 39 million in 2017 when compared to 2016 primarily due to ( i ) a decrease in insurance revenues of $ 29 million during 2017 primarily due to lower volume of loans with insurance products sold and a decrease in revenue from runoff business and ( ii ) a decrease in investment revenue of $ 20 million primarily due to lower realized gains on securities sold and reinvestments into lower yielding assets . this decrease was offset by an increase in fee revenues of $ 10 million from home and auto membership plans sold in 2017 . 55 other expenses decreased $ 117 million in 2017 when compared to 2016 due to the net of

liquidity and capital resources sources of funds we finance the majority of our operating liquidity and capital needs through a combination of cash flows from operations , securitization debt , borrowings from conduit facilities , unsecured debt and equity , and may also utilize other corporate debt facilities in the future . as a holding company , all of the funds generated from our operations are earned by our operating subsidiaries . redemption of omfh 2019 notes on december 8 , 2017 , omfh issued a notice of redemption to redeem all $ 700 million outstanding principal amount of omfh 's 6.75 % senior notes due 2019 at a redemption price equal to 103.375 % , plus accrued and unpaid interest to the redemption date . the notes were redeemed on january 8 , 2018. in connection with the redemption , we recognized approximately $ 1 million of net loss on repurchases and repayments of debt for the twelve months ended december 31 , 2018 . redemption of omfh 2021 notes on march 19 , 2018 , omfh provided notice of redemption to redeem $ 400 million in aggregate principal amount of omfh notes due 2021 at a redemption price in cash equal to the sum of ( i ) 103.625 % of the principal amount of the notes and ( ii ) any accrued and unpaid interest to the redemption date on the principal amount .


 Write a concise suspicious activity report of the following text delimited by triple backquotes. Return your response as a formal report which covers the key points highlighting the location,dates,entity names and account holder information in chronological order of the text.
     ```liquidity and capital resources sources of funds we finance the majority of our operating liquidity and capital needs through a combination of cash flows from operations , securitization debt , borrowings from conduit facilities , unsecured debt and equity , and may also utilize other corporate debt facilities in the future . as a holding company , all of the funds generated from our operations are earned by our operating subsidiaries . redemption of omfh 2019 notes on december 8 , 2017 , omfh issued a notice of redemption to redeem all $ 700 million outstanding principal amount of omfh 's 6.75 % senior notes due 2019 at a redemption price equal to 103.375 % , plus accrued and unpaid interest to the redemption date . the notes were redeemed on january 8 , 2018. in connection with the redemption , we recognized approximately $ 1 million of net loss on repurchases and repayments of debt for the twelve months ended december 31 , 2018 . redemption of omfh 2021 notes on march 19 , 2018 , omfh provided notice of redemption to redeem $ 400 million in aggregate principal amount of omfh notes due 2021 at a redemption price in cash equal to the sum of ( i ) 103.625 % of the principal amount of the notes and ( ii ) any accrued and unpaid interest to the redemption date on the principal amount .
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 Suspicious Activity Report : our segments at december 31 , 2018 , we had two operating segments : consumer and insurance ; and acquisitions and servicing . the remaining components ( which we refer to as “ other ” ) consist of our non-originating legacy operations , which primarily include our liquidating real estate loan portfolio and our liquidating retail sales finance portfolio . see note 22 of the notes to the consolidated financial statements included in this report for more information about our segments . how we assess our business performance we closely monitor the primary drivers of pretax operating income , which consist of the following : net interest income we track the spread between the interest income earned on our finance receivables and the interest expense incurred on our debt , and continually monitor the components of our yield and our cost of funds . net credit losses the credit quality of our loans is driven by our underwriting philosophy , which considers the prospective customer 's household budget , his or her willingness and capacity to repay , and the underlying collateral on the loan . we closely analyze credit performance because the profitability of our loan portfolio is directly connected to net credit losses . we define net credit losses as gross charge-offs minus recoveries in the portfolio . additionally , because delinquencies are an early indicator of future net credit losses , we analyze delinquency trends , adjusting for seasonality , to determine whether or not our loans are performing in line with our original estimates . we also monitor recovery rates because of their contribution to the reduction in the severity of our charge-offs . operating expenses we assess our operational efficiency using various metrics and conduct extensive analysis to determine whether fluctuations in cost and expense levels indicate operational trends that need to be addressed . our operating expense analysis also includes a review of origination and servicing costs to assist us in managing overall profitability . because loan volume and portfolio size determine the magnitude of the impact of each of the above factors on our earnings , we also closely monitor origination volume and annual percentage rate . 45 recent developments and outlook recent developments apollo-värde transaction on january 3 , 2018 , the apollo-värde group entered into a share purchase agreement with sfh and the company to acquire from sfh 54,937,500 shares of our common stock representing the entire holdings of our stock beneficially owned by fortress . the apollo-värde transaction closed on june 25 , 2018 for an aggregate purchase price of approximately $ 1.4 billion in cash . as disclosed in note 21 of the notes to the consolidated financial statements in this report , certain executives of the company had previously been granted incentive units that only provide benefits ( in the form of distributions ) if sfh were to make distributions to one or more of its common members that exceed specified amounts . in connection with the apollo-värde transaction , certain executive officers who were holders of sfh incentive units received a distribution of approximately $ 106 million in the aggregate from sfh as a result of their ownership interests in sfh . although the distribution was not made by the company or its subsidiaries , in accordance with asc topic 710 , compensation-general , we recorded non-cash incentive compensation expense of approximately $ 106 million , with an equal and offsetting increase to additional paid-in-capital . the impact to the company was non-cash , equity neutral and not tax deductible . aig share sale transaction on february 21 , 2018 , omh entered into an underwriting agreement among omh , sfh and morgan stanley & co. llc as underwriter in connection with the sale by sfh of 4,179,678 shares of its common stock . these shares were beneficially owned by aig and represented the entire holdings of our common stock beneficially owned by aig . in connection with this sale of our common stock by sfh , certain executive officers who are holders of sfh incentive units , as described above , received a distribution of approximately $ 4 million in the first quarter of 2018. consistent with the accounting for distribution from the apollo-värde transaction described above , the company recognized non-cash incentive compensation expense of approximately $ 4 million , with an equal and offsetting increase to additional paid-in-capital . the impact to the company was non-cash , equity neutral and not tax deductible . appointment of new member of the board of directors , president , and chief executive officer at omh on july 13 , 2018 , we announced that our company 's board of directors had appointed douglas h. shulman as the company 's president and chief executive officer . mr. shulman succeeds jay n. levine who remains chairman of the board . on september 8 , 2018 , mr. shulman began his first day of employment and was also appointed to the company 's board of directors . cost synergies from the onemain acquisition and the lendmark sale as of december 31 , 2018 , we had incurred approximately $ 293 million of total acquisition-related transaction and integration expenses ( $ 54 million incurred during 2018 ) from the onemain acquisition and the lendmark sale . as part of our integration efforts in connection with the onemain acquisition , on may 29 , 2018 , the company entered into a share purchase agreement to sell all of the issued and outstanding shares of its former insurance subsidiary , yosemite . story_separator_special_tag see notes 2 and 7 of the notes to the consolidated financial statements included in this report for more information regarding the real estate loan sales . 52 acquisition-related transaction and integration expenses incurred as a result of the onemain acquisition and the lendmark sale include ( i ) compensation and employee benefit costs , such as retention awards and severance costs , ( ii ) accelerated amortization of acquired software assets , ( iii ) rebranding to the onemain brand , ( iv ) branch infrastructure and other fixed asset integration costs , ( v ) information technology costs , such as internal platform development , software upgrades and licenses , and technology termination costs , ( vi ) legal fees and project management costs , ( vii ) system conversions , including human capital management , marketing , risk , and finance functions , and ( viii ) other costs and fees directly related to the onemain acquisition and integration . 53 segment results see note 22 of the notes to the consolidated financial statements included in this report for ( i ) a description of our segments , ( ii ) reconciliations of segment totals to consolidated financial statement amounts and ( iii ) methodologies used to allocate revenues and expenses to each segment . consumer and insurance adjusted pretax income and selected financial statistics for consumer and insurance ( which are reported on an adjusted segment accounting basis ) were as follows : replace_table_token_6_th ( a ) see “ glossary ” at the beginning of this report for formulas and definitions of our key performance ratios . ( b ) includes personal loans held for sale in 2016 in connection with the lendmark sale . 54 comparison of adjusted pretax income for 2018 and 2017 interest income increased $ 372 million or 11 % in 2018 when compared to 2017 primarily due to continued growth in our loan portfolio . interest expense increased $ 79 million or 10 % in 2018 when compared to 2017 primarily due to the increase in average debt balances consistent with the growth in our loan portfolio and our strategic shifting of our funding to a more proportional mix of secured and unsecured debt . see notes 12 and 13 of the notes to the consolidated financial statements included in this report for further information on our long-term debt , securitization transactions and our conduit facilities . provision for finance receivable losses increased $ 84 million in 2018 when compared to 2017 primarily driven by the growth in our loan portfolio and the proportional growth in loans classified as tdrs . this increase was partially offset by $ 12 million in the 2017 provision attributable to the hurricanes harvey and irma . the level of allowance for finance receivable losses as a percentage of net finance receivables has decreased from 2017 due to the continued change in portfolio mix to more secured personal loans , and improvement in the effectiveness of our collections . other revenues decreased $ 7 million or 1 % in 2018 when compared to 2017 primarily due to a decrease in investment revenue of $ 17 million primarily driven by lower realized gains on the sale of investment securities in 2018 offset by an increase in insurance revenues of $ 9 million during 2018 from higher insurance productivity . other expenses increased $ 57 million or 4 % in 2018 when compared to 2017 primarily reflecting our initiatives to reinvest in the business and growth in our operations . comparison of adjusted pretax income for 2017 and 2016 interest income decreased $ 23 million in 2017 when compared to 2016 due to the net of the following : interest income on finance receivables held for sale decreased $ 56 million in 2017 due to the transfer of our personal loans to finance receivables held for sale in 2015 that were sold in the lendmark sale in may of 2016. finance charges increased $ 33 million primarily due to the net of the following : average net receivables held for investment increased primarily due to the continued growth in our personal loan portfolio . yield on finance receivables held for investment decreased primarily due to the continued shift of the portfolio towards secured personal loans and direct auto customers who tend to have loans with lower yields and lower charge offs relative to our unsecured personal loans . interest expense increased $ 27 million in 2017 when compared to 2016 primarily due to an increase in the utilization of financing from unsecured notes which generally have higher interest rates relative to our other indebtedness . provision for finance receivable losses increased $ 52 million in 2017 when compared to 2016 primarily due to ( i ) the growth in our personal loan portfolio during the past 12 months , ( ii ) continued alignment and enhancement of our collection practices which resulted in an increase in the loans now classified as tdr and ( iii ) the estimated impacts of hurricanes harvey and irma . based on information available at the time , we estimated the impact to net charge-offs attributable to these hurricanes to be $ 12 million and increased our provision for finance receivable losses accordingly . other revenues decreased $ 39 million in 2017 when compared to 2016 primarily due to ( i ) a decrease in insurance revenues of $ 29 million during 2017 primarily due to lower volume of loans with insurance products sold and a decrease in revenue from runoff business and ( ii ) a decrease in investment revenue of $ 20 million primarily due to lower realized gains on securities sold and reinvestments into lower yielding assets . this decrease was offset by an increase in fee revenues of $ 10 million from home and auto membership plans sold in 2017 . 55 other expenses decreased $ 117 million in 2017 when compared to 2016 due to the net of

