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      "text": "© 2025 PayPal Inc.",
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      "text": "Credit Loss Rate is credit losses divided by TPV.\nTransaction Margin or “TM” is total revenue less transaction expense and transaction and credit losses, divided by total revenue.\nTransaction Margin Dollars ($) or “TM$” is total revenue less transaction expense and transaction and credit losses.\nTransaction Margin Dollars excluding interest on customer balances is total revenue excluding interest on customer balances, less transaction expense and transaction and credit losses. Interest on customer balances is captured as part of Other Value-Added Services (OVAS) revenue in this presentation and in our quarterly/annual SEC filings.\nARPA is average revenue per account.\nBNPL is Buy Now, Pay Later.\nLSD is low single-digits; MSD is mid-single-digits; HSD is high single-digits.\nSAM is serviceable addressable market; TAM is total addressable market.\nVAS is value-added services.\nAll active account and monthly active account metrics included in this presentation are as of December 31, 2024 unless otherwise specified.",
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