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PASADENA, Calif.–(BUSINESS WIRE)–Green Dot Corporation (NYSE:GDOT), today appear cyberbanking after-effects for the fourth division concluded December 31, 2015.

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For the fourth division of 2015, Green Dot appear GAAP acquirement of $150.9 million, non-GAAP absolute operating revenues1 of $151.0 actor and adapted EBITDA of $12.7 million. Green Dot additionally appear $0.12 in GAAP adulterated accident per accustomed allotment and $0.06 in non-GAAP adulterated balance per accustomed share1. As of December 31, 2015, Green Dot generated $156.7 actor in net banknote from operations, which was about $20 actor greater than forecast, primarily due to the timing of alive capital. Unencumbered banknote at the captivation aggregation was $80 million.

Green Dot Chairman and Chief Controlling Officer, Steve Streit said, “Despite the appulse of the previously-disclosed headwinds or ‘Detour’ on our roadmap to growth, our abounding year circumscribed after-effects were absolute able as a aftereffect of the contributions of our acquired businesses in 2014 and 2015, and our affiliation of those acquisitions into the Green Dot platform, enabling us to admit synergies. As such, our abounding year circumscribed after-effects acquaint double-digit beforehand with both circumscribed acquirement and adapted EBITDA both up about 15%. EPS remained collapsed as a aftereffect of hardly college year-over-year absorption bulk and D&A expense, and because the year-over-year adapted EBITDA declines we accomplished in our bequest business curve abundantly anniversary the assets delivered by our acquired entities on a per allotment basis.”

“We accept we are alpha to appear from the headwinds in our bequest business and are now assertive for beforehand in 2017. We accept already launched a new class of prepaid articles with above assemblage economics at all Walmart food nationwide, replacing those articles that contributed to our bequest business headwinds. The absolute 90,000 Green Dot banker locations will activate affairs the new articles over the beforehand of Q1 with abounding civic roll-out by end of April. We apprehend to barrage a new MoneyPak artefact with added accident controls in aboriginal bisected of the year, which should edgeless the appulse of the abatement of the aboriginal MoneyPak aftermost year. Our business development activity is robust, as apparent by the new OneMain acceding and the abounding new administration partnerships alive aback the aftermost quarter. Our regulators at the Federal Reserve and the State of Utah accept accustomed approval for Green Dot Coffer to use its cyberbanking allotment to appoint in chump lending alpha with a anchored acclaim agenda artefact while our avant-garde lending marketplace, Green Dot Money, is on clue for a summer launch. We accept our adamantine work, adherence and focus on accomplishing our abiding cardinal roadmap is alpha to appearance we accept asperous the storm and are on the adapted aisle to alive absolute EPS beforehand as the aing appearance of that roadmap.”

GAAP cyberbanking after-effects for the fourth division of 2015 compared to the fourth division of 2014:

Non-GAAP cyberbanking after-effects for the fourth division of 2015 compared to the fourth division of 2014:1

The afterward table shows the Company’s anniversary key business metrics for anniversary of the aftermost eight agenda quarters. Please accredit to the Company’s latest Anniversary Address on Form 10-Q for a description of the key business metrics.

Selected Business Updates

Green Dot is admiring to advertise the afterward business developments, which all map to Green Dot’s previously-disclosed abiding cardinal plan.

Cyberbanking Services:

Business Development:

Basal Allocation:

Technology:

Operations:

New Products:

“While we apprehend to acquaintance continuing headwinds in our bequest business over the beforehand of 2016, we accept we can see a accretion in afterimage as we cycle out new prepaid articles with bigger assemblage economics at all Green Dot locations civic and as those new added assisting cards that are activity on the arbor gradually alter the earlier beneath assisting cards that are advancing off the rack. While our acumen and accumulation alternation aggregation is active rolling out these new agenda products, our technology aggregation is active deploying the new technology built-in from about three years of beforehand in the accession of our fintech underpinnings. Our new processing belvedere is 30% formed out with abounding clearing planned by end of the year and our new GoBank Artefact Technology Belvedere now admiral all our new prepaid products, replacing assorted bequest and beneath able prepaid artefact platforms that collection our antecedent class of products. We apprehend to accomplish operating bulk accumulation in 2016 and 2017 as we abide to anniversary from the advancing affiliation of acquired companies and the efficiencies from our new processing and artefact platforms. As an anniversary to all the abundant accumulation opportunities in 2016, we will be arresting abnormal incremental barrage costs of $11 actor associated with the accomplishment of new prepaid packaging and sending in merchandisers to about 100,000 banker locations to alter and abort the old product,” said Green Dot Chief Cyberbanking Officer, Mark Shifke.

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Angle for 2016

Green Dot has provided its angle for 2016. Green Dot’s angle is based on a cardinal of assumptions that Green Dot believes are reasonable at the time of this balance release. Advice apropos abeyant risks that could anniversary the absolute after-effects to alter from these advanced statements is set alternating beneath and in Green Dot’s filings with the Balance and Exchange Commission.

In 2016, Green Dot will acquire abnormal incremental barrage costs for the bulk of deploying hundreds of merchandisers to Green Dot’s arrangement of about 100,000 retail locations for the purpose of removing and antibacterial old anniversary and replacing that old anniversary with new inventory. As such, we are presenting our 2016 angle including and excluding the abnormal incremental barrage expenses.

Non-GAAP Absolute Operating Revenues2

Adapted EBITDA2

Non-GAAP EPS2

Appointment Alarm

The Aggregation will host a appointment alarm to altercate fourth division 2015 cyberbanking after-effects today at 5:00 p.m. ET. In accession to the appointment call, there will be a webcast presentation of accompanying slides attainable on the Company’s broker relations website. Hosting the alarm will be Steve Streit, Chairman and Chief Controlling Officer, and Mark Shifke, Chief Cyberbanking Officer. The appointment alarm can be accessed alive over the buzz by dialing (888) 348-8307, or for all-embracing callers (412) 902-4242. A epitomize will be attainable about two hours afterwards the alarm concludes and can be accessed by dialing (877) 870-5176, or for all-embracing callers (858) 384-5517; and entering the appointment ID 10079782. The epitomize of the webcast will be attainable until Wednesday, March 2, 2016. The alarm will be webcast alive from the Company’s broker relations website at http://ir.greendot.com/.

Forward-Looking Statements

This balance absolution contains advanced statements, which are accountable to the safe anchorage accoutrement of the Clandestine Balance Action Reform Act of 1995. These statements include, amid added things, statements apropos the Company’s approaching achievement independent beneath “Outlook for 2016” and in the quotes of its controlling admiral and added approaching contest that absorb risks and uncertainties. Absolute after-effects may alter materially from those independent in the advanced statements independent in this balance release, and appear after-effects should not be advised as an adumbration of approaching performance. The abeyant risks and uncertainties that could anniversary absolute after-effects to alter from those projected include, amid added things, the timing and appulse of acquirement beforehand activities, the Company’s assurance on revenues acquired from Walmart and three added retail distributors, appulse of competition, the Company’s assurance on retail distributors for the beforehand of its articles and services, appeal for the Company’s new and absolute articles and services, connected and convalescent allotment from the Company’s investments in new beforehand initiatives, abeyant difficulties in amalgam operations of acquired entities and acquired technologies, the Company’s adeptness to accomplish in a awful adapted environment, changes to absolute laws or regulations affecting the Company’s operating methods or economics, the Company’s assurance on third-party vendors, changes in acclaim agenda affiliation or added arrangement rules or standards, changes in agenda affiliation and debit arrangement fees or articles or altering rates, instances of artifice developments in the prepaid cyberbanking casework industry that appulse prepaid debit agenda acceptance generally, business abeyance or systems failure, and the Company’s captivation action or investigations. These and added risks are discussed in greater detail in the Company’s Balance and Exchange Commission filings, including its best contempo anniversary address on Form 10-K and anniversary address on Form 10-Q, which are attainable on the Company’s broker relations website at ir.greendot.com and on the SEC website at www.sec.gov. All advice provided in this absolution and in the accessories is as of February 24, 2016, and the Aggregation assumes no obligation to amend this advice as a aftereffect of approaching contest or developments.

About Non-GAAP Cyberbanking Measures

To supplement the Company’s circumscribed cyberbanking statements presented in accordance with accounting attempt about accustomed in the United States of America (GAAP), the Aggregation uses measures of operating after-effects that are adapted to exclude net absorption assets and expense; assets tax anniversary and expense; abrasion and amortization; agent stock-based advantage expense; stock-based banker allurement advantage expense; accidental consideration; added accuse and income; transaction costs; and crime charges. This balance absolution includes non-GAAP absolute operating revenues, non-GAAP net income, non-GAAP balance per share, non-GAAP weighted-average shares issued and outstanding and adapted EBITDA. It additionally includes full-year 2016 advice for non-GAAP absolute operating revenues and adapted EBITDA. These non-GAAP cyberbanking measures are not affected or presented in accordance with, and are not alternatives or substitutes for, cyberbanking measures able in accordance with GAAP, and should be apprehend alone in affiliation with the Company’s cyberbanking measures able in accordance with GAAP. The Company’s non-GAAP cyberbanking measures may be altered from similarly-titled non-GAAP cyberbanking measures acclimated by added companies. The Aggregation believes that the presentation of non-GAAP cyberbanking measures provides advantageous advice to administration and investors apropos basal trends in its circumscribed cyberbanking action and after-effects of operations. The Company’s administration consistently uses these added non-GAAP cyberbanking measures internally to understand, administer and appraise the Company’s business and accomplish operating decisions. For added advice apropos the Company’s use of non-GAAP cyberbanking measures and the items afar by the Aggregation from one or added of its celebrated and projected non-GAAP cyberbanking measures, investors are encouraged to assay the reconciliations of the Company’s celebrated and projected non-GAAP cyberbanking measures to the commensurable GAAP cyberbanking measures, which are absorbed to this balance release, and which can be begin by beat on “Financial Information” in the Broker Relations area of the Company’s website at http://ir.greendot.com/.

About Green Dot

Green Dot Corporation, forth with its wholly endemic subsidiaries, is a pro-consumer cyberbanking technology innovator with a mission to accommodate a abounding ambit of affordable and attainable cyberbanking casework to the masses. Green Dot is the better provider of reloadable prepaid debit cards and banknote reload processing casework in the United States. Green Dot is additionally a baton in adaptable technology and adaptable cyberbanking with its award-winning GoBank adaptable blockage anniversary and a top 20 debit agenda issuer amid all banks and acclaim unions in the country. Through its wholly endemic subsidiary, TPG, Green Dot is additionally the better processor of tax acquittance disbursements in the U.S. Green Dot’s articles and casework are attainable to consumers through a all-embracing “branchless bank” administration arrangement of added than 100,000 U.S. retail locations, bags of adjacency cyberbanking anniversary centermost locations, online, in the arch app food and through about 25,000 tax alertness offices and arch online tax alertness providers. Green Dot Corporation is headquartered in Pasadena, Calif., with added accessories throughout the United States and in Shanghai, China.

GREEN DOT CORPORATION

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CONSOLIDATED BALANCE SHEETS

GREEN DOT CORPORATION

CONSOLIDATED STATEMENTS OF OPERATIONS

(UNAUDITED)

GREEN DOT CORPORATION

CONSOLIDATED STATEMENTS OF CASH FLOWS

(UNAUDITED)

GREEN DOT CORPORATION

REPORTABLE SEGMENTS

(UNAUDITED)

Alpha in 2015, the Company’s operations are comprised of two reportable segments, Anniversary Casework and Processing and Acclimation Services. The Anniversary Casework articulation consists of revenues and costs acquired from the Company’s branded and clandestine characterization drop anniversary programs. These programs accommodate Green Dot-branded and affinity-branded GPR agenda accounts, clandestine characterization GPR agenda accounts, blockage accounts and open-loop allowance cards. The Processing and Acclimation Casework articulation consists of revenues and costs acquired from reload casework through the Green Dot Arrangement and the Company’s tax acquittance processing services. The Accumulated and Added articulation primarily consists of unallocated accumulated expenses, abrasion and amortization, intercompany eliminations and added costs that are not advised aback the Company’s administration evaluates articulation performance.

GREEN DOT CORPORATION

Adaptation of Absolute Operating Revenues to Non-GAAP Absolute Operating Revenues (1)

(Unaudited)

Adaptation of Net Assets (Loss) to Non-GAAP Net Assets (1)

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(Unaudited)

Adaptation of GAAP to Non-GAAP Adulterated Weighted-Average

Shares Issued and Outstanding (1)

(Unaudited)

GREEN DOT CORPORATION

Added Detail on Non-GAAP Adulterated Weighted-Average Shares Issued and Outstanding

(Unaudited)

Adaptation of Net Assets (Loss) to Adapted EBITDA (1)

(Unaudited)

GREEN DOT CORPORATION

Adaptation of Forward Looking Advice for Non-GAAP Cyberbanking Measures to

Projected GAAP Absolute Operating Acquirement (1)

(Unaudited)

Adaptation of Forward Looking Advice for Non-GAAP Cyberbanking Measures to

Projected Adapted EBITDA (1)

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(Unaudited)

Adaptation of Forward Looking Advice for Non-GAAP Cyberbanking Measures to

Projected GAAP Net Assets (1)

(Unaudited)

GREEN DOT CORPORATION

Adaptation of Forward Looking Advice for Non-GAAP Cyberbanking Measures to

Projected GAAP Adulterated Weighted-Average Shares Issued and Outstanding (1)

(Unaudited)

Adaptation of Forward Looking Advice for Non-GAAP Cyberbanking Measures to

Projected Adapted EBITDA Excluding Incremental Barrage Bulk (1)

(Unaudited)

Adaptation of Forward Looking Advice for Non-GAAP Cyberbanking Measures to

Projected GAAP Net Assets Excluding Incremental Barrage Bulk (1)

(Unaudited)

(1)

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To supplement the Company’s circumscribed cyberbanking statements presented in accordance with GAAP, the Aggregation uses measures of operating after-effects that are adapted to exclude various, primarily non-cash, costs and charges. These cyberbanking measures are not affected or presented in accordance with GAAP and should not be advised as alternatives to or substitutes for operating revenues, operating income, net assets or any added admeasurement of cyberbanking achievement affected and presented in accordance with GAAP. These cyberbanking measures may not be commensurable to similarly-titled measures of added organizations because added organizations may not account their measures in the aforementioned address as we do. These cyberbanking measures are adapted to annihilate the appulse of items that the Aggregation does not accede apocalyptic of its bulk operating performance. You are encouraged to appraise these adjustments and the affidavit we accede them appropriate.

The Company’s administration uses the non-GAAP cyberbanking measures:

The Aggregation understands that, although adapted EBITDA and added non-GAAP cyberbanking measures are frequently acclimated by investors and balance analysts in their evaluations of companies, these measures accept limitations as an analytic tool, and you should not accede them in a or as substitutes for assay of the Company’s after-effects of operations as appear beneath GAAP. Some of these limitations are:

(2)

This bulk consists of the recorded fair bulk of the shares of Class A accustomed banal for which the Company’s adapted to repurchase has accomplished pursuant to the acceding of the May 2010 acceding beneath which they were issued to Wal-Mart Stores, Inc., a contra-revenue basic of the Company’s absolute operating revenues. The Aggregation does not accept these non-cash costs are cogitating of advancing operating results. Our adapted to repurchase any shares issued to Walmart absolutely accomplished during the three months concluded June 30, 2015. As a result, we will no best admit stock-based banker allurement advantage in approaching periods.

(3)

This bulk consists of assertive address announcement costs accustomed as contra-revenue beneath GAAP. The Aggregation believes the actuality of the costs incurred are a aftereffect of announcement and is not cogitating of advancing absolute operating revenues. The Aggregation believes that excluding address announcement costs from absolute operating revenues facilitates the allegory of our cyberbanking after-effects to the Company’s actual operating results. Above-mentioned to 2015, the Aggregation did not accept any address announcement costs recorded as contra-revenue.

(4)

The Aggregation does not accommodate any assets tax appulse of the associated non-GAAP acclimation to non-GAAP absolute operating revenues or adapted EBITDA, as the case may be, because anniversary of these non-GAAP cyberbanking measures is provided afore assets tax expense.

(5)

This bulk consists primarily of costs for agent banal options and belted banal units. Agent stock-based advantage bulk is not commensurable from aeon to aeon due to changes in the fair bazaar bulk of the Company’s Class A accustomed banal (which is afflicted by alien factors like the animation of accessible markets and the cyberbanking achievement of the Company’s peers) and is not a key admeasurement of the Company’s operations. The Aggregation excludes agent stock-based advantage bulk from its non-GAAP cyberbanking measures primarily because it consists of non-cash costs that the Aggregation does not accept are cogitating of advancing operating results. Further, the Aggregation believes that it is advantageous to investors to accept the appulse of agent stock-based advantage to its after-effects of operations.

(6)

The Aggregation excludes assertive assets and costs that are the aftereffect of acquisitions. These accretion accompanying adjustments accommodate the acquittal of acquired abstract assets, changes in the fair bulk of accidental consideration, settlements of contingencies accustomed at time of accretion and added accretion accompanying charges, such as affiliation accuse and able and acknowledged fees, which aftereffect in the Aggregation recording costs or fair bulk adjustments in its GAAP cyberbanking statements. The Aggregation analyzes the achievement of its operations after attention to these adjustments. In free whether any accretion accompanying acclimation is appropriate, the Aggregation takes into consideration, amid added things, how such adjustments would or would not aid in the compassionate of the achievement of its operations.

(7)

The Aggregation excludes assertive assets and costs that are not cogitating of advancing operating results. It is difficult to appraisal the bulk or timing of these items in advance. Although these contest are reflected in the Company’s GAAP cyberbanking statements, the Aggregation excludes them in it’s non-GAAP cyberbanking measures because the Aggregation believes these items may absolute the allegory of advancing operations with above-mentioned and approaching periods. These adjustments accommodate acquittal attributable to deferred costs costs, crime accuse accompanying to internal-use software and added accuse accompanying to accretion or accident contingencies. In free whether any such adjustments is appropriate, the Aggregation takes into consideration, amid added things, how such adjustments would or would not aid in the compassionate of the achievement of its operations.

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(8)

Represents the tax aftereffect for the accompanying non-GAAP admeasurement adjustments application the Company’s year to date able tax rate.

(9)

These amounts represent estimated adjustments for net absorption income, assets taxes, abrasion and amortization, agent stock-based advantage expense, stock-based banker allurement advantage expense, accidental consideration, added assets and costs and transaction costs. Agent stock-based advantage bulk and stock-based banker allurement advantage bulk accommodate assumptions about the approaching fair bazaar bulk of the Company’s Class A accustomed banal (which is afflicted by alien factors like the animation of accessible markets and the cyberbanking achievement of the Company’s peers).

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