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  "documentTitle": "Pathward Financial | Results Presentation Deck | 33 slides",
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  "presentationDate": "2021-04-01 00:00:00",
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  "notes": "The slide uses a waterfall diagram to explain the cash flow and credit support structure.",
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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 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. As of March 31, 2021, MetaBank had two consumer credit programs.",
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      "text": "Consumer credit programs with marketplace lenders offer Meta a risk adjusted return, protected by certain layers of credit support and balance sheet flexibility.",
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      "text": "Total includes total gross loans & leases of $3.65 billion and rental equipment, net of $211.4 million, as of March 31, 2021",
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      "text": "Total Exposure $104.8 million % of Total 2.7%",
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      "text": "INDIRECT CONSUMER CREDIT PROGRAMS",
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