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      "text": "1. Includes Business Banking (deposit and loan/line of credit) and Ink (card; excludes partner and commercial) households. As a result of a change in household methodology in 2019, ~200K partner cards are no longer included\n2. Users of all web and/or mobile platforms who have logged in within the past 90 days\n3. Users of all mobile platforms who have logged in within the past 90 days\n4. Loan sales for FY18 and FY19. Reflects unpaid balances (UPB) at the time of sale\n5. Excludes the impact of purchased credit-impaired (“PCI”) loans and reperforming and non-performing loan sales\n6. Excludes the impact of retail overdraft losses. CBB’s reported NCO rate, including retail overdraft losses, was 1.11% in 2019\n7. In Card, expect modestly higher loss rates on mix as newer vintages season and become a larger part of the portfolio\n8. Net revenue rate reflects the Credit Card business only. Effective in the first quarter of 2020, the Merchant Services business was realigned from CCB to CIB as part of the Firm’s Wholesale Payments business. The revenue and expenses of the Merchant Services business will be reported across CCB, CIB and CB based primarily on client relationship\n9. Excludes Card rewards liability adjustment in 2018",
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