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  "documentTitle": "Pathward Financial | Credit Presentation Deck | 39 slides",
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  "presentationDate": "2022-09-01 00:00:00",
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  "notes": "Includes pro forma adjustments for new subordinated debt and equity downstreaming.",
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      "text": "1 3Q22 is annualized. Note: For illustrative purposes, assumes $20 million of new subordinated debt less 1.50% spread and $100k of other expenses; assumes $14.7M in equity downstreamed to the Bank; illustratively assumes 6.625% interest rate on subordinated debt.",
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