Company: GDOT
Filing Date: 2025-11-24
Form Type: 425
Source: 0001140361-25-043029
Chunk: 27

Company: GREEN DOT CORP
Filing Date: 2025-11-24
Form: 425
Chunk 27
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1% MRQ Earning Asset Mix MRQ Yield ~4.5% ~2.5% IB Cash Securities Current Securities Yield ~2.5% Q3 2025 Illustrative Opportunities 16 Current Cash Yield ~4.5% ~$35mm Annual Potential Earnings Uplift ~3.5% Current Cash & Securities Yield Illustrative Risk-Adjusted Loan Yield ~7.0% ~$65mm+ Annual Potential Earnings Uplift(1) 3.5% Cash & Securities Yield Note: (1) Assumes 40% of Q3 ’25 average cash and 40% of Q3 ’25 average securities are re-invested into loans at a 7% illustrative risk-adjusted yield with the remainder of securities re-invested at the Q3 ’25 yield on cash of ~4.55%, tax-effected at 25%. 3 Loans IB Cash Securities 48% $4.3bn Avg. Earning Assets Long-Term Green Dot Corporation Attractive Levers for Future Growth 17 Third Party Sponsor Banking Partnerships Sign additional partners outside of the MSA for sponsor banking services 3 BaaS Credit Origination / LaaS Offer “Lending as a Service” in addition to current sponsor banking suite Direct to Consumer Credit Products Unsecured Credit Card, Personal Loans Increased Commercial Lending Capacity Enhanced scale allows for increased deployment of capital into near-term commercial lending opportunities Near-Term Potential Long-Term Initiatives Medium-Term $ Green Dot Corporation Roadmap for Risk and Compliance Investments Transaction establishes a platform capable of executing a focused strategy to reinforce governance, elevate compliance infrastructure, and improve capital positioning. 18 4 1 2 3 4 5 Capitalization & Balance Sheet Repositioning Strengthen Compliance Culture Focus On Core Banking & BaaS Operations Build Scalable Compliance Infrastructure & Systems Targeted Talent Investments Green Dot Corporation 19 Note: Assumes June 30, 2026 transaction close date for illustrative purposes. 5 Increased Scale Enhanced Capital Stable, Robust Returns $6bn Combined Total Assets @ Close ~11% Tier 1 Leverage @ Close ~15% Long-Term Target ROATCE Creating a More Stable and Resilient Bank $155mm capital infusion, complementary pro forma business mix, and diversified funding strategy enhances long-term platform stability. + Green Dot Corporation CommerceOne Overview Green Dot Corporation Source: Company filings, SNL Financial. Financial data as of September 30, 2025 unless otherwise noted. Overview Commerce