Green Dot Corporation ( GDOT) Q4 2011 Earnings Call January 27, 2012 5:00 PM ET Executives Chris Mammone – VP, IR Steven Streit – Chairman, President and CEO John Keatley – CFO William Sowell – COO Analysts Glenn Fodor – Morgan Stanley David Scharf – JMP Securities Ramsey El-Assal – Jefferies Sakhrani – KBW Julio Quinteros – Goldman Sachs Bryan Keane – Deutsche Bank Jim Kissane – Credit Suisse Tien-Tsin Huang – JP Morgan John Rowan – Sidoti & Company Greg Smith – Sterne Agee Gil Luria – Wedbush Securities Bob Napoli – William Blair Andrew Jeffrey – Suntrust Mike – Piper Jaffray Presentation Operator
Good afternoon, and welcome to the Green Dot Corporation Fourth Quarter 2011 Earnings Conference Call. All participants will be in listen-only mode. (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. Please go ahead. Chris Mammone Thank you, and good afternoon. By now, everyone should have access to our fourth 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, non-GAAP diluted earnings per share and free cash flow. This information is now calculated in accordance with GAAP and may be calculated differently than other companies’ similarly titled non-GAAP information. Quantitative reconciliations of our non-GAAP financial information to their most directly comparable GAAP financial information appears in today’s press release and in the appendix of the presentation that accompanies this call.