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上面的某些陈述是前瞻性的，因此不是历史事实。This includes, without limitation, statements regarding our expectations for first quarter of 2025 and full year 2025 adjusted net revenue, adjusted EBITDA, adjusted EBITDA margin, GAAP net income, GAAP EPS, year end total capital ratio, member growth, and expected growth in tangible book value, our expectations regarding our ability to increase capital-light, higher ROE, fee-based revenue streams, our expectations regarding our ability to continue to grow our business, build our brand and launch new business lines and products, our ability to continue to attract and execute deals, our ability to continue to improve our financials and increase our member, product and total accounts count, our ability to achieve diversified and more durable growth, our ability to continue the momentum seen in 2024 in 2025, our ability to have loss rates below 8%, our ability to navigate the macroeconomic environment, any changes in demand for our products, and the financial position, business strategy and plans and objectives of management for our future 运营。这些前瞻性陈述不能保证绩效。这些陈述可以通过与历史或当前事实无关的事实来识别。诸如“成就”，“相信”，“继续”，“期望”，“未来”，“增长”，“五月”，“计划”，“策略”，“将继续”，“将继续”，类似的表达方式可能会识别出前瞻性陈述，但是这些词语的缺失并不意味着陈述并不意味着陈述没有前瞻性。上述因素清单并不详尽。您应该仔细考虑上述因素以及在我们的上一季度报告中，标题为“风险因素”的其他风险和不确定性，如向美国证券交易委员会提交的第10 Q表格，以及我们将来与证券交易委员会的任何未来文件中包括的任何报告，包括我们在Exchange Acnext Act中的10-K年度报告，包括我们的年度报告。这些前瞻性陈述是基于本文日期和当前期望，预测和假设的可用信息，涉及许多判断，风险和不确定性。因此，不应将前瞻性陈述依靠为以后的任何日期代表我们的观点，我们不承担任何更新前瞻性陈述以反映事件
Q4 2024收益发行
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