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      "text": "1. Reflects customers for whom we have income data from October 2018 - September 2019\n2. Transaction total reflects full year 2019\n3. Customers are eligible for already approved offers based on a combination of debt and income data based on the full Chase relationship, whereas “pre-approved” offers require customers to fill out additional info prior to being approved\n4. Conversion rate lift to card offers measured from February 2019 through February 8th 2020\n5. Reflects January 2020\n6. Metric compares performance for refinance loans originated through the Consumer channel that received Digital Income Verification (“DIV”) to similar loans that did not receive DIV. Pull-through defined as percentage of mortgage applications that fund (up to 120 days after application date) and is calculated through 3Q19\n7. Matched pairs analysis comparing lift in spend and balances of customers who got a credit line increase (treatment) in 2018 vs. customers who did not get a credit line increase\n8. Calculated by applying the 2014 and 2019 fraud loss rate difference to 2019 net sales volumes",
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      "text": "Notes on slide 19 – Our data assets enable a simplified digital-underwriting experience and drive efficiencies",
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