Index: OFR 2026 - 506

DOCKETED 10/22/2026 LEGAL BH

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION

In Re:
ORDER EXPRESS, INC.,
Case Number: 138339
Petitioner.

FINAL ORDER

This cause came on for consideration and final agency action. Upon review of the record and being otherwise fully advised in the premises, the Office of Financial Regulation ("Office") hereby finds:

1. The Office has jurisdiction over the subject matter of this case and the parties hereto.

2. The entry of this Final Order concludes the above-referenced matter.

ORDERED:

A. The Stipulation and Consent Agreement (Exhibit A) is hereby approved and incorporated by reference as if fully stated herein and is adopted as the Office's Findings of Fact and Conclusions of Law.

B. The parties shall comply with all terms of the Stipulation and Consent Agreement.

DONE and ORDERED this 22nd day of October, 2026, in Tallahassee, Leon County, Florida.

Russell C. Weigel, III Commissioner

CERTIFICATE OF SERVICE

I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been furnished to Petitioner, Order Express, Inc., at licensing@orderexpress.com via email and to Petitioner's counsel, Olivia King at oking@jimersonfirm.com, Emma Ahern at emmaa@jimersonfirm.com, and Gustavo Sardina at gsardina@jimersonfirm.com on this 22nd day of October, 2026.

Agency Clerk

Office of Financial Regulation
Post Office Box 8050
Tallahassee, FL 32314-8050
Email: Agency.Clerk@flofr.gov
Tel: (850) 410-9889

Exhibit A

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION

In Re:
ORDER EXPRESS, INC.,
Case Number: 138339
Petitioner.

STIPULATION AND CONSENT AGREEMENT

The State of Florida, Office of Financial Regulation ("Office"), and Order Express, Inc. ("Petitioner"), in consideration of the mutual promises herein, recite, stipulate, and agree as follows:

1. Background. Petitioner, Order Express, Inc. ("Order Express"), applied for licensure as a money services business pursuant to chapter 560, Florida Statutes, on August 11, 2025. The application was completed on March 11. 2026.

At all times material, MLM Investors LLC. has served as the holding company with 100% ownership of Order Express. At all times material, Jorge Alberto Miranda Molina has served as the Chief Operating Officer of Order Express and has been identified as a control person on Petitioner's license application. At all times material, Pamela Miranda has been the ultimate beneficial owner of Petitioner and is listed as a control person on the license application.

On June 1, 2026, the Office issued a Notice of Intent to Deny to Petitioner. On June 18, 2026, Petitioner requested a hearing pursuant to section 120.57(2), Florida Statutes. The parties are resolving the issues herein prior to conducting any hearing in this matter.

2. Jurisdiction. The Office is the state agency charged with the administration and enforcement of chapter 560, Florida Statutes, and the rules promulgated thereunder. The Office has jurisdiction to bring this administrative action against Petitioner pursuant to chapter 560,

1

Florida Statutes.

3. Findings. For purposes of this Stipulation and Consent Agreement. the Office makes no findings.

4. Terms and Conditions. Petitioner and the Office agree that the issues raised can be expeditiously resolved without a hearing and that further litigation can be avoided by the execution of this Stipulation and Consent Agreement. The parties acknowledge they have read this Stipulation and Consent Agreement and fully understand the rights, obligations, terms. duties and responsibilities with respect to its contents. Therefore, in compromise and settlement of the matters stated herein and in consideration of the Office's forbearance from further litigation. Petitioner agree to the following terms and conditions:

a. FUTURE COMPLIANCE. Petitioner agrees that it shall cease and desist from violations of chapter 560, Florida Statutes, and the rules promulgated thereunder, and comply with all provisions of chapter 560, Florida Statutes, and the rules promulgated thereunder; and

b. LICENSURE. The Office shall approve Petitioner's money services business license application within one business day of the entry of the Final Order adopting this Stipulation and Consent Agreement.

5. Final Order. Petitioner consents to the entry of a final order, which incorporates the terms of this Stipulation and Consent Agreement. Petitioner understands and agrees that this Stipulation and Consent Agreement is subject to the final approval of the Office of Financial Regulation and the entry of the Final Order adopting such Agreement. In the event that the Final Order is not entered, this Stipulation and Consent Agreement shall be null and void. The Final Order incorporating this Stipulation and Consent Agreement constitutes final agency action by the Office for which the Office may seek enforcement pursuant to the provisions of chapters 560 and 120.

Florida Statutes.

6. Waiver. By Petitioner's consent to the entry of a Final Order with respect to this proceeding. Petitioner waives:

a. Any right to separately stated Findings of Fact and Conclusions of Law:

b. Any right to receipt of a Notice of Rights pursuant to chapter 120. Florida Statutes:

c. Any right to an administrative hearing or issuance of a Recommended Order pursuant to chapter 120, Florida Statutes; and

d. Any right to contest in any administrative forum or judicial proceeding (including, but not limited to, an appeal pursuant to section 120.68, Florida Statutes) the validity of any term, condition, obligation, or duty expressly created in this Stipulation and Consent Agreement and the Final Order.

7. Releases. Upon full execution of this Stipulation and Consent Agreement. Petitioner waives, releases and forever discharges the Office and its agents, representatives and employees from any and all causes of action, in law or in equity, which Petitioner may have arising out of this matter. The Office accepts this release and waiver by Petitioner on behalf of itself. its agents, representatives, and employees without acknowledging, and expressly denying, that any such right or cause of action may exist.

8. Failure to Comply. Petitioner acknowledges, concurs and stipulates that Petitioner's failure to comply with any of the terms, obligations and conditions of this Stipulation and Consent Agreement, and the Final Order adopting it, is a violation of the written agreement and the Final Order entered pursuant to chapters 120 and 560. Florida Statutes. Such non-compliance may result in the issuance of an emergency cease and desist order, and the initiation of other possible administrative action. However, nothing herein shall be construed to limit Petitioner's rights to contest any finding or determination of non-compliance.

9. Attorney's Fees. Each party herein shall be solely responsible for its separate costs and attorneys· fees incurred in the prosecution, defense, or negotiations in this matter up to and including entry of the Final Order adopting this Stipulation and Consent Agreement.

10. Severability. The parties agree that if any provision of this Stipulation and Consent Agreement or the application thereof to any person or circumstance is held invalid, the Stipulation and Consent Agreement will be given effect without the invalid provision, and to this end, the provisions of this Stipulation and Consent Agreement are declared severable.

11. Counterparts. This Stipulation and Consent Agreement may be executed in any number of counterparts, and by the parties in separate counterparts, each of which will be deemed to be an original but all of which together will constitute but one Stipulation and Consent Agreement. Copies of this Stipulation and Consent Agreement transmitted by facsimile or electronic mail shall have the same validity as if bearing an original signature.

12. Entire Agreement. This Stipulation and Consent Agreement represents the entire agreement by and between Petitioner and the Office. Any alterations, variations, changes, modifications or waivers of the provisions hereof shall be valid only when they have been reduced to writing, duly signed by the Office and Petitioner hereto, attached to the original of this Stipulation and Consent Agreement, and subject to the approval of the Office.

WHEREFORE, in consideration of the foregoing, the Office and Petitioner execute this Stipulation and Consent Agreement for entry of a Final Order on the last date executed below.

(Remainder of page intentionally left blank)

BY PETITIONER ORDER EXPRESS, INC.;
Name: Jorge Alberto Miranda Molina
Title: Chief Operating Officer

(Signature)

Date: 10/02/26
10/02/26

State of Illinois
County of Cook

Jorge Alberto Miranda Molina, as the Chief Operating Officer of Order Express, Inc., BEFORE ME by means of 1?<J physical presence or [] online notarization, has sworn (or affirmed) that he has read and understands the foregoing agreement and voluntarily signed the same.

SWORN TO AND SUBSCRIBED before me this 2 day of October 2026. 2026.

Notary Public

Check the appropriate box:
Personally known [X]
OR Produced Identification [ ]
Type of identification produced [ ] Driver's License [ ] Passport [ ] Other ___________ (Do not include ID number)

ISELA M MOLINA
Official Seal
Notary Public - State of Illinois
My Commission Expires Feb 16, 2027

BY PETITIONER ORDER EXPRESS, INC.:

Name: Pamela Miranda
Title: ultimate beneficial owner

State of Texas
County of Harris

Pamela Miranda, as the ultimate beneficial owner of Order Express, Inc., BEFORE ME by means of [x] physical presence or [ ] online notarization, has sworn (or affirmed) that she has read and understands the foregoing agreement and voluntarily signed the same.

SWORN TO AND SUBSCRIBED before me this 2 day of October, 2026.

Check the appropriate box :
Personally known [X]
OR Produced Identification [ ]
Type of identification produced [ ] Driver's License [ ] Passport [ ] Other ___________ (Do not include ID number)

ISELA M MOLINA
Official Seal •
Notary Public - State of Illinois
My Commission Expires Feb 16, 2027

OFFICE OF FINANCIAL REGULATION

Bill Morin 10/20/2026 Date: ___________
Bill Morin, Interim Director
Division of Consumer Finance