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      "text": "2. \"Adjusted EBITDA Margin\" calculated as Adjusted EBITDA divided by Adjusted Revenue.\n\n3. We define \"net client retention rate\" as the number of clients that were active at the beginning of a period and which remain active at the end of the period, divided by the number of clients that were active at the beginning of the period. This metric excludes clients whose loans were sold during the period as well as clients to whom we did not actively market to due to contractual prohibitions or other business reasons. We define \"active\" as those clients who do not pay-off their mortgage with us and originate a new mortgage with another lender during the period.\n\n4. Gross Merchandise Value is calculated by applying the estimated average unit sales price of the vehicles sold multiplied by the number of units sold during the period.",
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