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      "text": "Consumer credit programs with marketplace lenders offer Pathward 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. Agreements typically provide for “excess spread” build-up and protection through a priority of payment within a waterfall",
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      "text": "Business Line: Consumer; Balance Sheet Category: Consumer finance; 4Q23: $254.4; 3Q24: $253.3; 4Q24: $248.8",
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