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      "text": "This presentation contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America (\"GAAP\"). These non-GAAP measures include tangible common equity to tangible assets, and tangible common equity per share. Management uses these \"non-GAAP\" measures in its analysis of the Company's performance. Management believes these non-GAAP financial measures allow for better comparability of period to period operating performance. Additionally, the Company believes this information is utilized by regulators and market analysts to evaluate a company's financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. A reconciliation of the non-GAAP measures used in this presentation to the most directly comparable GAAP measures is provided in the Appendix to this presentation.",
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