Flare Account 6.7.1

The ACE Flare Account by Pathward, National Association Mobile App allows you to conveniently manage your account from anywhere. With this mobile app, you can perform the following actions:

• Check your account balance and transaction history
• Send money to friends and family
• Access the optional Netspend Pre-Funded Check Service
• Add money to your account with Mobile Check Capture

Manage your finances on-the-go with this convenient app.

Please note that while this service is provided at no charge, your wireless carrier may apply charges for messages or data.

Bank transfer fees are determined by the transferor's bank and may be charged by the service provider or originating bank. Online or mobile Account-to-Account transfers between accounts do not incur a cost, but a $4.95 fee is applicable for transfers conducted through a Customer Service agent.

The Netspend Pre-Funded Checks service is optional and subject to its own terms and conditions. Please refer to the Netspend Pre-Funded Checks Terms and Conditions for further details, including how to opt-in. It is important to note that the Check Services associated with this offering are not provided or endorsed by Pathward, N.A., and Pathward, N.A. does not offer any bank-related services in connection with the Check Services.

The Mobile Check Capture service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to their respective Terms and Conditions and Privacy Policy. The approval review process typically takes 3 to 5 minutes but in some cases can take up to one hour. All checks are subject to approval for funding at Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge fees for message and data usage. Additional transaction fees, costs, terms, and conditions may apply to the funding and use of your account. For complete details, please refer to your Deposit Account Agreement.