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  "presentationDate": "2020-10-01 00:00:00",
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      "text": "Net earnings of $313 million ... $0.52 diluted earnings per share\nOther expense for the quarter included the impact from a restructuring charge of $89 million, or $67 million after-tax, which equates to an EPS reduction of $0.11\nIncrease in provision for credit losses for the quarter included impact from CECL implementation of $66 million, or $50 million after-tax, which equates to an EPS reduction of $0.09\nCore Growth metrics(a) down due to impact of COVID-19 ... Purchase volume flat, Loan receivables (5)%, Average Active Accounts (8)%, Interest and fees on loans (12)%\nRenewed and extended a key relationship with Sam’s Club\nLaunched a new program with Venmo\nAdded and extended partnerships with Four Wheel Parts, Kane’s Furniture, Levin Furniture, SVP Sewing Brands and System Pavers\nLaunched new partnerships with health systems: Lehigh, St Luke’s and Cox Health\nRenewed and extended CareCredit relationships with Blue River Petcare and NVA\nStrong deposit platform ... deposits at $63.5 billion now contributing 80% of funding\nMaintained $0.22 dividend, which equates to $129 million of capital returned to shareholders\nStrong balance sheet, 15.8% CET1 and $21.4 billion of liquid assets",
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      "text": "(a) Growth Metrics shown above on a Core basis are non-GAAP measures and excludes from both the prior year and the current year amounts related to the Walmart and Yamaha portfolios, sold in October 2019 and January 2020, respectively. See non-GAAP reconciliation in the appendix.",
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      "text": "3Q’20 Wrap Up",
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