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      "text": "Annualized Revenue per Monthly Transacting Member; 12% Year-Over-Year Growth; $115 (3Q21), $116 (4Q21), $121 (1Q22), $122 (2Q22), $129 (3Q22)",
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      "text": "Our data-driven credit underwriting facilitates larger ExtraCash sizes which translate into stronger monetization, albeit at lower rates i.e. higher ARPU at lower variable margins but with higher total variable profit.",
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