Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34819 (Exact name of Registrant as specified in its charter) Delaware 95-4766827 (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) 114 W 7th Street, Suite 240 (Address of pri ...

Financial Data and Key Metrics Changes - For Q1 2023, non-GAAP revenue was $412 million, up 4% year-over-year, while adjusted EBITDA was $82.5 million, down 9% [10] - Non-GAAP EPS was $0.99 per share, down approximately 7%, and GAAP revenue also increased by about 4% with operating income of $51 million, down about 1% [10] Business Line Data and Key Metrics Changes - In the Consumer segment, revenue decreased by 12% year-over-year due to nonrenewal of a retail program and a decline in accounts [24] - The direct channel, primarily GO2bank, saw revenue decline in mid-single digits, but revenue per account grew due to improved engagement rates [25] - The B2B services segment, which includes BaaS and PayCard, experienced aggregate revenue growth driven by a 30% increase in BaaS revenue [56] Market Data and Key Metrics Changes - Active accounts in the retail channel were impacted by changes in consumer foot traffic and increased digital competition [24] - The PayCard channel saw increases in accounts, GDV, and purchase volume year-over-year, although fee revenue was affected by consumer sensitivity to surcharge-free ATMs [28] Company Strategy and Development Direction - The company is focusing on embedded finance and aligning its operating divisions around four primary opportunities to enhance growth and profitability [16][18] - A new BaaS partner is set to launch in Q2, which is expected to accelerate revenue growth in 2024 [12] - The company is committed to expense management, having reduced general and administrative costs by 12% year-over-year [13] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's financial position, with regulatory capital ratios well above required minimums and substantial liquidity [42] - The company anticipates some margin compression in Q2 and Q3 due to the roll-off of legacy accounts, but expects stabilization towards the end of the year [76] Other Important Information - The company expects full-year revenue guidance in the range of $1.38 billion to $1.46 billion, with adjusted EBITDA between $180 million and $190 million [58] - The effective tax rate is expected to be 23.5% for the full year, with a diluted weighted average share count of approximately 52 million shares [32] Q&A Session Summary Question: Could you comment on the magnitude of macro pressure factored into your guidance? - Management indicated that Q1 started solidly without substantial impacts from a worsening economy, but acknowledged potential pressure on interchange rates if the economy deteriorates [63] Question: What features or product enhancements could be added to GO2bank to drive monetization and engagement? - Management highlighted that they are focused on profitable customer acquisition and will continue to enhance product offerings to drive engagement [66][70] Question: Are there limitations on the types of products GO2bank can offer based on your charter? - Management stated that there are no significant limitations on product development, but regulatory considerations will be taken into account [87][88] Question: What is the outlook for GDV given the dynamics of new and departing partners? - Management explained that GDV growth is driven by existing BaaS partners, despite the impact of de-conversion activities [90] Question: Is the reorganization around the four opportunities for reporting or operational purposes? - Management clarified that the reorganization is primarily for operational purposes to improve go-to-market strategies and business development [91] Question: Are you seeing more rational pricing from competitors in the direct channel? - Management noted that competitors are focusing more on profitability, which is leading to more rational marketing spend and pricing [92]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 __________________________________________________ FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34819 (Exact name of Registrant as specified in its charter) (State or othe ...

Green Dot Corporation (NYSE:GDOT) Q4 2022 Earnings Conference Call February 23, 2023 5:00 PM ET Company Participants Tim Willi - Investor Relations George Gresham - President and Chief Executive Officer Jess Unruh - Chief Financial Officer Conference Call Participants George Sutton - Craig-Hallum Operator Good afternoon and welcome to the Green Dot Corp Fourth Quarter 2022 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note this event is being recorded ...

$20,010 $18,682 $17,436 $17,356 $16,353 +14% -16% 0% +22% 14% Q3 2022 Q4 2022 Q4 2021 Q1 2022 Q2 2022 Purchase Volume in millions, reflects change versus the prior year • Consumer Services Direct Deposit Actives1 were • down 17% but are now just below 27% of total actives1 and up "200bp. • Segment Revenue Segment Profit $161 +496 Q4 2021 $141 -12% Q4 2022 ¹ Measured as the number of accounts that have been active in the last 90 days as of quarter end ² Net Interchange Rate equals Interchange revenues divide ...

Q3 2022 Results November 9th, 2022 1 1Green Dot Corporation Green Dot Corporation – Confidential – Confidential Safe Harbor Statement As a reminder, our comments may include forward-looking statements and expectations regarding future results and performance. Please refer to the cautionary language in the earnings release and in Green Dot's filings with the Securities and Exchange Commission, including our most recent Form 10-K and 10-Q, for additional information concerning factors that could cause actual ...

Green Dot Corporation (NYSE:GDOT) Q3 2022 Earnings Conference Call November 9, 2022 6:00 PM ET Company Participants Tim Willi - Senior Vice President and Investor Relations George Gresham - Director, Chief Executive Officer and President Jess Unruh - Chief Financial Officer Conference Call Participants Bob Napoli - William Blair Andrew Schmidt - Citi Ramsey Assal - Barclays John Hecht - Jefferies Operator Good day and welcome to the Green Dot Third Quarter 2022 Conference Call. All participants will be in a ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 __________________________________________________ FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34819 (Exact name of Registrant as specified in its charter) Delaw ...

__________________________________________________ FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34819 (Exact name of Registrant as specified in its charter) Delaware 9 ...

Green Dot Corporation (NYSE:GDOT) Q2 2022 Earnings Conference Call August 4, 2022 6:00 PM ET Company Participants Tim Willi - Senior Vice President & Investor Relations Dan Henry - President & Chief Executive Officer George Gresham - Chief Financial Officer & Chief Operating Officer Conference Call Participants Ramsey El-Assal - Barclays Andrew Schmidt - Citi Andrew Jeffrey - Truist Securities George Sutton - Craig-Hallum Bob Napoli - William Blair Mike Grondahl - Northland Securities Operator Good day and ...