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  "documentTitle": "Pathward Financial | Results Presentation Deck | 33 slides",
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      "text": "Pathward's BaaS business generates fee income and stable deposits. Ability to attract and maintain these deposits provides a powerful competitive advantage. Noninterest-bearing deposits as a percentage of total deposits has increased every year since 2018, from 54% in 4Q18 to 96% as of 4Q23. $268 million of off-balance sheet deposits held in custody at program banks as of September 30, 2023.",
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