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  "documentTitle": "Pathward Financial | Results Presentation Deck | 30 slides",
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  "authorName": "Meta Financial Group",
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  "presentationDate": "2021-01-01 00:00:00",
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  "notes": "The slide uses a waterfall diagram to illustrate the flow of funds and risk protection mechanisms.",
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      "text": "Waterfall diagram showing flow from Consumer Payments to Collection Account, then to Repayment/Losses/Servicing, then to Interest Return, Excess Spread, and finally Reserve Release.",
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      "text": "Agreements typically provide for “excess spread” build-up and protection through a priority of payment within a waterfall. Consumer interest rate and fees flow through a waterfall.",
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      "text": "Covers principal losses and Meta’s required rate of interest. Structure provides for a build up of excess spread. Structure provides for ALLL on a portfolio basis. Excess spread in escrow released conditionally. Escrow balance increased.",
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      "text": "Consumer credit programs offer Meta a risk adjusted return, protected by certain layers of credit support and balance sheet flexibility. Programs are offered to strategic partners with payments distribution potential.",
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      "text": "Total includes total gross loans & leases of $3.44 billion and rental equipment, net of $206.7M, as of December 31, 2020",
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      "text": "Total Exposure $88.6 million % of Total 2.4%",
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      "text": "CONSUMER CREDIT PROGRAMS",
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