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  "notes": "Includes a waterfall-style transition for uninsured deposit composition and a stacked bar chart for interest-bearing trends.",
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      "text": "Deposit base is composed of a broad mix of consumer, corporate and commercial customers supported by: Significant level of operational deposits; Expansive branch distribution network and; Mobile capabilities across our national footprint. NIB mix shift impacted by 3Q23 proactive conversion of Union Bank Retail clients to our low-interest Bank Smartly product",
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      "text": "1 Retail includes Consumer and Wealth average deposit balances. 2 Insured deposits represent FDIC insurance coverage, excluding all intercompany and subsidiary deposits",
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