Green Dot 2013 Annual Report Download - page 56

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49
Our exposure to credit risk associated with our retail distributors is mitigated due to the short time period, currently
an average of two days that retailer settlement assets are outstanding. We perform an initial credit review and assign
a credit limit to each new retail distributor. We monitor each retail distributor’s settlement asset exposure and its
compliance with its specified contractual settlement terms on a daily basis and assess their credit limit and financial
condition on a periodic basis. Our management's Enterprise Risk Management Committee is responsible for monitoring
our retail distributor exposure and assigning credit limits and reports regularly to the audit committee of our board of
directors.