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  "notes": "Includes non-GAAP metrics for Tier 1 Capital + Credit Loss Reserve Ratio.",
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      "text": "The “Tier 1 Capital + Credit Loss Reserve Ratio” is the sum of our “Tier 1 Capital” and “Allowance for Credit Losses,” divided by our “Total Risk-Weighted Assets”. Tier 1 Capital and Risk-Weighted Assets are adjusted to reflect the fully phased-in impact of CECL.",
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