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      "text": "Collateral-based lending focused on risk management and administrative controls of borrowers’ assets. Underwritten to ensure recovery of full loan exposure in the event of a default or liquidation. Closely monitored and managed. Strong credit performance during COVID-19 period, annualized net charge-offs excl. tax services 48bps of average loans and leases. Solar lending provides conservative lending and generates tax credits, boosting returns. Consumer finance strategic to payments distribution potential.",
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