IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, address, date of birth, and government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide to us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.
" }, { "name":"Consolidated Charity Disclaimer", "condition":[], "content":"2.ACE Cash Express donates $0.05 for each $100.00 in debit card purchase transactions (net of refunds and chargebacks) made with a debit card branded with your chosen charity: Homes For Our Troops, Inc., Humane World for Animals, National Breast Cancer Foundation, Inc., and AdoptAClassroom.org. ACE Cash Express will donate to Homes For Our Troops, Inc. up to $200,000 per year, after taking into account donations generated through Flare Account transactions and other debit card programs associated with ACE Cash Express. ACE Cash Express and Netspend will donate to National Breast Cancer Foundation, Inc., up to $350,000 per year, after taking into account donations generated through Flare Account transactions and other debit card programs associated with ACE Cash Express. Each of the foregoing beneficiaries is a 501(c)(3) corporation. Pathward, N.A., Ouro Global, Inc., and Visa® do not endorse or sponsor these offers.
" }, { "name":"Issuer Statement", "condition":[], "content":"The Flare Account® is a demand deposit account established by Pathward, N. A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Ouro Global, Inc. is a service provider to Pathward, N.A.
Card can be used everywhere Visa® debit cards are accepted.
Populus Financial Group, Inc. engages in money transmission services as an authorized delegate of Ouro Global, Inc. (NMLS ID: 932678). State licenses, disclosures, and complaint information may be found here www.netspend.com/help/licenses.
© 2026 Ouro Global, Inc.
" } ], "step-2":[ { "name":"Patriot Act", "condition":[], "content":"IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, address, date of birth, and government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide to us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.
" }, { "name":"Issuer Statement", "condition":[], "content":"The Flare Account® is a demand deposit account established by Pathward, N. A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Ouro Global, Inc. is a service provider to Pathward, N.A.
Card can be used everywhere Visa® debit cards are accepted.
Populus Financial Group, Inc. engages in money transmission services as an authorized delegate of Ouro Global, Inc. (NMLS ID: 932678). State licenses, disclosures, and complaint information may be found here www.netspend.com/help/licenses.
© 2026 Ouro Global, Inc.
" } ], "step-3":[ { "name":"Money Transmission", "condition":[], "content":"ACE Cash Express engages in the money transmission business and/or sale of stored value products as an authorized delegate of NetSpend Corporation under Chapter 151 of the Texas Finance Code.
" }, { "name":"2 Days Faster", "condition":["1"], "content":"1.Faster funding claim is based on a comparison of the Pathward, National Association, policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.
" }, { "name":"Reload", "condition":["1"], "content":"The Flare Account uses the Netspend Network, which is provided by Netspend Corporation. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.
" }, { "name":"Issuer Statement", "condition":[], "content":"The Flare Account® is a demand deposit account established by Pathward, N. A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Ouro Global, Inc. is a service provider to Pathward, N.A.
Card can be used everywhere Visa® debit cards are accepted.
Populus Financial Group, Inc. engages in money transmission services as an authorized delegate of Ouro Global, Inc. (NMLS ID: 932678). State licenses, disclosures, and complaint information may be found here www.netspend.com/help/licenses.
© 2026 Ouro Global, Inc.
" } ], "error-page":[ { "name":"Issuer Statement", "condition":[], "content":"The Flare Account® is a demand deposit account established by Pathward, N. A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Ouro Global, Inc. is a service provider to Pathward, N.A.
Card can be used everywhere Visa® debit cards are accepted.
Populus Financial Group, Inc. engages in money transmission services as an authorized delegate of Ouro Global, Inc. (NMLS ID: 932678). State licenses, disclosures, and complaint information may be found here www.netspend.com/help/licenses.
© 2026 Ouro Global, Inc.
" } ], "maintenance-page":[ { "name":"Issuer Statement", "condition":[], "content":"The Flare Account® is a demand deposit account established by Pathward, N. A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Ouro Global, Inc. is a service provider to Pathward, N.A.
Card can be used everywhere Visa® debit cards are accepted.
Populus Financial Group, Inc. engages in money transmission services as an authorized delegate of Ouro Global, Inc. (NMLS ID: 932678). State licenses, disclosures, and complaint information may be found here www.netspend.com/help/licenses.
© 2026 Ouro Global, Inc.
" } ], "not-found-page":[ { "name":"Issuer Statement", "condition":[], "content":"The Flare Account® is a demand deposit account established by Pathward, N. A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Ouro Global, Inc. is a service provider to Pathward, N.A.
Card can be used everywhere Visa® debit cards are accepted.
Populus Financial Group, Inc. engages in money transmission services as an authorized delegate of Ouro Global, Inc. (NMLS ID: 932678). State licenses, disclosures, and complaint information may be found here www.netspend.com/help/licenses.
© 2026 Ouro Global, Inc.
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