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## CONSUMER & COMMUNITY BANKING 

Consumer & Community Banking offers services to consumers and businesses through bank branches, ATMs, digital (including online and mobile) and telephone banking. CCB is organized into Consumer & Business Banking (including Consumer Banking/Chase Wealth Management and Business Banking), Home Lending (including Home Lending Production, Home Lending Servicing and Real Estate Portfolios) and Card, Merchant Services & Auto. Consumer & Business Banking offers deposit and investment products and services to consumers, and lending, deposit, and cash management and payment solutions to small businesses. Home Lending includes mortgage origination and servicing activities, as well as portfolios consisting of residential mortgages and home equity loans. Card, Merchant Services & Auto issues credit cards to consumers and small businesses, offers payment processing services to merchants, and originates and services auto loans and leases. 

## Selected income statement data 

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measures which exclude the impact of PCI loans; these are non-GAAP financial measures. 

(a) Effective in the first quarter of 2018, certain operations staff were transferred from CCB to CB. The prior period amounts have been revised to conform with the current period presentation. For a further discussion of this transfer, refer to CB segment results on page 71. (b) Included operating lease depreciation expense of $3.4 billion, $2.7 billion and $1.9 

billion for the years ended December 31, 2018, 2017 and 2016, respectively. (c) Included MSR risk management results of $(111) million, $(242) million and $217 

million for the years ended December 31, 2018, 2017 and 2016, respectively. 

