Company: GDOT
Filing Date: 2025-05-12
Form Type: 10-Q
Source: 0001386278-25-000034
Chunk: 50

Company: GREEN DOT CORP
Filing Date: 2025-05-12
Form: 10-Q
Item: Part II, Item 1A
Chunk 50
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 or annual results of operations might result from a number of factors including the occurrence of one or more of the events or circumstances described in these risk factors, many of which are outside of our control, including, but not limited to:

•the timing and volume of purchases and use of our products and services;

•the timing and volume of tax refunds or other government payments processed by us;

•the timing and success of new product or service introductions by us or our competitors;

•fluctuations in customer retention rates;

•outages and interruptions in our systems, those of our partners or third-party service providers;

•changes in the mix of products and services that we sell or changes in the mix of our client retail distributors;

•the timing of commencement of new and existing product roll outs, developments and initiatives and the lag before those new products, channels or retail distributors generate material operating revenues;

•our ability to effectively sell our products through direct-to-consumer initiatives;

•costs associated with significant changes in our risk policies and controls;

•the amount and timing of major advertising campaigns, including sponsorships;

•the amount and timing of capital expenditures and operating costs;

•interest rate volatility;

•our ability to control costs, including third-party service provider costs and sales and marketing expenses;

•volatility in the trading price of our Class A common stock;

•changes in the political or regulatory environment affecting the industries in which we operate;

•economic recessions or uncertainty in financial markets, and the uncertainty regarding the impact of macroeconomic trends or conditions; and

•other factors beyond our control, such as terrorism, war, natural disasters and pandemics as well as the other items included in these risk factors.

Our actual operating results may differ significantly from our guidance.

From time to time, we issue guidance in our quarterly earnings conference calls, or otherwise, regarding our future performance that represents our management’s estimates as of the date of release. Guidance is necessarily speculative in nature, and is only an estimate of what management believes is realizable as of the date of release, and it can be expected that some or all of the assumptions underlying the guidance furnished by us will prove to be incorrect or will vary significantly from actual results. Actual results will vary from our guidance and the variations may be material, especially in times of economic uncertainty.

Our future success depends on our ability to attract, integrate, retain and incentivize key personnel.

Our ability to manage and grow our business will depend, to a significant extent, on our ability to attract, integrate, retain and