This Privacy Notice ("Notice") covers Urgent Money Service, Inc., UMS, Inc., Two for the Money, Inc., TAXaco, Inc. and all the members of its family of companies operating in various states under the names of Urgent Money Service and TAXaco. This Notice explains the type of information we collect and may share. Additionally, this Notice explains how you can prevent us from sharing certain information about you within the Urgent Money Service family of companies and with others. The information contained in this notice applies to you if you have applied for a financial product or service, if you are a current customer and if you become a former customer. You become a former customer if we have not communicated with you about your account for a period of 12 consecutive months, at which time you will not receive an annual privacy notice from us in connection with that account. Finally, this Notice explains how we protect your customer information. For questions about our Notice, you can contact us at 1-888-817-6402.

I. CONFIDENTIALITY AND SECURITY

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide our service to you. We maintain physical, electronic, and procedural safeguards that comply with federal law to guard your nonpublic personal information.

II. CATEGORIES OF INFORMATION WE COLLECT

We collect nonpublic personal information from the following sources:

• Information we receive from you on applications or other forms;
• Information about you transactions with us, companies within the Urgent Money Service family of companies, or others;
• Information we receive from your tax returns and associated documents including but not limited to payroll stubs, W-2 forms, W-4 forms, etc.
• Information we receive from credit reporting agencies, such as your credit worthiness and credit history:
• Information we obtain to verify representations made by you, such as your employment history: and
• Information we receive from other nonaffiliated third parties.

III. CATEGORIES OF INFORMATION WE DISCLOSE

Unless you opt out using the form below, we may disclose all the information we collect, as described above, to the Urgent Money Service family of companies and nonaffiliated third parties in accordance with applicable law.

IV. CATEGORIES OF PARTIES TO WHOM WE DISCLOSE

A. THE URGENT MONEY SERVICE FAMILY OF COMPANIES

Unless you tell us not to, we may share with the Urgent Money Service family of companies certain information about you including:

• Information we obtain from your application or otherwise, such as your name, address, social security number, and income;
• Information we obtain from a consumer report, such as your credit history;
• Information we receive from your tax returns and associated documents including but not limited to payroll stubs, W-2 forms, W-4 forms, etc.
• Information we obtain to verify representations made by you, such as your checking account information; and
• Information we obtain from a person regarding employment, credit, or other relationship with you, such as your employment history.

The categories of companies who may receive this information are:

• Financial service providers, such as lenders, collection agencies, loan brokers, check cashers, post-dated check cashers, deferred deposit providers, deferred presentment providers, supervised lenders, delayed deposit providers, small lenders; and
• Others, such as any company that may offer a product or service that we believe would be useful, helpful and convenient to you such as tax preparers.

Under the Fair Credit Reporting Act, we may share within the Urgent Money Service family of companies "experience" information, such as your account history and experience with us. You cannot prevent us from sharing "experience" information with our Urgent Money Service family of companies. Additionally, unless you tell us not to we may share "non-experience" information among the Urgent Money Service family of companies which is described above.

If you prefer that we not disclose non-experience information about you to our Urgent Money Service family of companies, you may opt out of these disclosures, that is, you may direct us to not make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to our Urgent Money Service family of companies, you may complete the opt out election form below and mail it to us at the address indicated on the form. If you have a joint account, a decision to opt out provided by one participant of the account will affect all participants.

B. NON-AFFILIATED THIRD PARTIES

We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:

• Financial service providers, such as lenders, collection agencies, loan brokers, check cashers, post-dated check cashers, deferred deposit providers, deferred presentment providers, supervised lenders, delayed deposit providers, small lenders; and
• Non-financial companies, such as retailers; and
• Others, such as any company that may offer a product or service that we believe would be useful, helpful and convenient to you such as tax preparers.

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

If you prefer that we not disclose non-experience information about you to our Urgent Money Service family of companies, you may opt out of these disclosures, that is, you may direct us to not make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to our Urgent Money Service family of companies, you may complete the opt out election form below and mail it to us at the address indicated on the form. If you have a joint account, a decision to opt out provided by one participant of the account will affect all participants.

V. OPT OUT ELECTION FORM

Important Note: This Notice may not be sent via email or facsimile. A printed version of this Notice must be completed and mailed to the address below.

Please read the choices below carefully. If you elect to limit our sharing of certain information about you (other than disclosures permitted by law), please check either or both of the appropriate box (es):

If you have chosen one or both of the options above, your opt out will apply to all services you receive from us, even if you become an inactive customer. You may exercise your right to opt out at any time by mailing this notice or a copy thereof at the address indicated below. You may also revoke your decision to opt out at any time by mailing to us at the address indicated below, verification of such decision.

Please print this page and mail to: Urgent Money Service Attn: Opt Out P.O. Box 16106 Greensboro, NC 27416	Signed
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