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  "notes": "The chart combines a bar chart for absolute dollars and a line chart for percentage of UMS.",
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      "text": "Transaction Expense continued to show YoY improvement as it decreased 39 bps YoY to 2.2% of UMS. The drop in Transaction Expense as a percentage of UMS was driven by Company initiatives including: ACH incentives, network renegotiations, and Pay in Full.",
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