Once your identity is verified and your account is registered, your funds on deposit in your Netspend debit and savings account are FDIC insured up to $250,000 through Pathward, N.A., Member FDIC, subject to certain conditions including regulatory requirements for FDIC pass-through insurance and the aggregation of all funds held on deposit in the same capacity at Pathward, N.A. Pathward, N.A. may place your funds at one or more participating FDIC-insured banks (http://www.pathward.com/programbanks). FDIC insurance protects against the failure of Pathward, N.A., not the failure of Ouro Global, Inc. (“Ouro”). Ouro, a financial technology company, is not a bank and is not FDIC insured.