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      "text": "Interest Income Composition FY Q4'22 - FY Q4'24",
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      "text": "Notes:\n1. Amortization of discount is driven by either loan purchases from originating bank partners or the origination of loans with 0% APR or below market interest rates; Consumer & Other Interest Income consists primarily of interest charged to consumers over the term of the consumers' loans based on the principal outstanding\n2. 0% APR Loans Held For Investment include all loans that are not interest bearing, including Pay in 4 (formerly known as Split Pay) loans\n3. Metrics are unaudited",
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