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  "notes": "Includes non-GAAP reconciliation for adjusted net interest income and net interest yield.",
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      "text": "* Primarily represents interest expense attributable to funding Card Member receivables and maintaining our corporate liquidity pool. ** Primarily represents interest income attributable to Other loans, interest-bearing deposits and our Travelers Cheque and other stored-value investment portfolio. *** Adjusted net interest income and net interest yield on average Card Member loans are non-GAAP measures.",
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