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    Mark Feldman

    Managing Director and Senior Research Analyst at William Blair & Company

    Mark Feldman is a Managing Director and Senior Research Analyst at William Blair & Company, specializing in the broadline, hardlines, and leisure retail sectors. He covers a range of well-known retail companies such as Restoration Hardware, Lowe's, The Home Depot, and Wayfair, providing actionable equity research and insights to institutional clients. Feldman joined William Blair in 2009 after earning an MBA from the University of Chicago Booth School of Business and holding several buy-side equity analyst positions at leading investment firms. He holds FINRA Series 7, 63, 86, and 87 licenses and is recognized for his rigorous analysis, often ranking in the top quartile of industry analysts for stock recommendation performance.

    Mark Feldman's questions to GREEN DOT (GDOT) leadership

    Mark Feldman's questions to GREEN DOT (GDOT) leadership • Q4 2024

    Question

    Asked for more details on the 'blocked accounts' mentioned in the prepared remarks and for an update on the company's view of the regulatory environment for both consumer and BaaS businesses.

    Answer

    The blocked accounts were mainly in the direct-to-consumer channel and are shut down quickly, having a neutral P&L impact. Regarding regulation, the company's primary regulator is the Federal Reserve, and they do not expect their relationship or compliance investment strategy to change meaningfully, as their focus on protecting depositors aligns with regulatory interests.

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    Mark Feldman's questions to GREEN DOT (GDOT) leadership • Q4 2024

    Question

    Mark Feldman of William Blair sought more detail on the 'blocked accounts' impacting active account metrics and asked for an updated perspective on the regulatory environment for the consumer and BaaS businesses.

    Answer

    CFO Jess Unruh explained that the blocked accounts, primarily in the direct-to-consumer channel, were shut down quickly by risk management and had a neutral P&L impact. On regulation, CEO George Gresham stated that as a Federal Reserve-regulated entity, Green Dot's focus on being a steward of depositor capital aligns with regulatory goals. He does not expect their relationship with the Fed or their investment in compliance to change meaningfully, as protecting customers is a constant priority regardless of administration changes.

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    Mark Feldman's questions to Q2 Holdings (QTWO) leadership

    Mark Feldman's questions to Q2 Holdings (QTWO) leadership • Q4 2024

    Question

    Mark Feldman of William Blair asked about the Helix and embedded finance business, questioning if regulatory shifts could drive demand. He also sought a breakdown of the Innovation Studio's bookings growth, asking if it was driven more by new customers or by existing customers adopting new partner solutions.

    Answer

    CFO Jonathan Price and President Kirk Coleman explained that the Banking-as-a-Service (BaaS) market has matured, concentrating around established banks, which plays to Q2's operational strengths and positions Helix as an attractive alternative core. Regarding Innovation Studio, Price stated its success is 'all of the above,' noting it is a key differentiator in over 90% of 2024 wins and has been adopted in some form by over 400 of their 450 live digital banking customers.

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