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      "text": "1. Cumulative Timing of Earnings Recognition reflects LendingClub internal estimates. Estimates are subject to change based on, among other things, portfolio performance and market conditions.\n2. Recent performance reflects ROTCE of 11.8% in 2Q 2025 and 13.2% in 3Q 2025.\n3. S&P Global figures as of October 31, 2025.",
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