Green Dot (GDOT) Q3 2011 Earnings Call October 27, 2011 5:00 pm ET Executives Christopher Mammone - John L. Keatley - Chief Financial Officer Steven W. Streit - Founder, Chairman, Chief Executive Officer and President Analysts Wayne Johnson - Raymond James & Associates, Inc., Research Division Andrew W. Jeffrey - SunTrust Robinson Humphrey, Inc., Research Division Bryan Keane - Deutsche Bank AG, Research Division James E. Friedman - Susquehanna Financial Group, LLLP, Research Division Ashwin Shirvaikar - Citigroup Inc, Research Division John J. Rowan - Sidoti & Company, LLC Jason Kupferberg - Jefferies & Company, Inc., Research Division Tien-Tsin T Huang - JP Morgan Chase & Co, Research Division Roman Leal - Goldman Sachs Group Inc., Research Division Bill Carcache - Macquarie Research Thomas C. McCrohan - Janney Montgomery Scott LLC, Research Division Gil B. Luria - Wedbush Securities Inc., Research Division Robert P. Napoli - William Blair & Company L.L.C., Research Division Glenn Fodor - Morgan Stanley, Research Division PresentationOperator
Good day, and welcome to the Green Dot Corporation Third Quarter 2011 Earnings Conference Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Chris Mammone, Vice President of Investor Relations for Green Dot. Mr. Mammone, the floor is yours, sir. Christopher Mammone Thank you, and good afternoon. By now, everyone should have access to our third quarter 2011 press release. You can find it at www.greendot.com, under the Investor Relations section. Throughout this conference call, we will be presenting non-GAAP financial information, including non-GAAP total operating revenues, adjusted EBITDA, non-GAAP net income and non-GAAP diluted earnings per share.