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      "text": "Average Balance per Account",
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      "text": "(a) All metrics exclude from both the prior year and the current year amounts related to the Walmart and Yamaha portfolios, sold in October 2019 and January 2020, respectively. (b) New Accounts represent accounts that were approved in the respective period in millions. (c) Purchase Volume per Account is calculated as the Purchase volume divided by Average active accounts, in $. (d) Average Balance per Account is calculated as the Average loan receivables divided by Average active accounts, in $.",
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