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  "notes": "Includes footnotes regarding portfolio exclusions and accounting changes (CECL adoption).",
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      "text": "(a) Excluding the Walmart Portfolio, 3Q'20 30+ rate was down ~175bps versus 3Q'19; 3Q'20 net charge-off rate was down ~45bps versus 3Q'19; 3Q'20 90+ rate was down ~80bps versus 3Q'19. (b) Allowance for credit losses reflects adoption of CECL...",
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