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      "text": "Funding, Capital and Liquidity | slide 12: a. Does not include unencumbered assets in the Bank that could be pledged. b. Capital ratios reflect election to delay an estimate of CECL's effect on regulatory capital.",
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      "text": "Home - Leveraging Our Strengths| slide 5: a. Repeat sales excludes Dual Card/Co-Brand, installment, and commercial portfolios. b. Based on weighted average of Interest and fees on loans as of year end 2020.",
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      "text": "Other Expense | slide 11: a. “Other expense” divided by sum of “NII” plus “Other income” less “Retailer share arrangements (RSA)”.",
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      "text": "2Q'21 Business Highlights | slide 4: a. New Accounts represent accounts that were approved in the respective period, in millions. b. Purchase Volume per Account is calculated as the Purchase volume divided by Average active accounts, in $.",
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      "text": "Platform Results | slide 8: a. Accounts represent average active accounts in millions, which are credit card or installment loan accounts on which there has been a purchase, payment or outstanding balance in the current month.",
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      "text": "Asset Quality Metrics| slide 10: a. Allowance for credit losses reflects adoption of CECL on January 1, 2020, which included a $3.0 billion increase in reserves upon adoption.",
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