The Paycheck Store, LLC is committed to protecting our customers’ privacy and

security. This Privacy Statement explains our information collection and sharing

practices. It identifies the sources from which we collect nonpublic personal

information about you, details the measures we take to secure that information, and

describes the information about you that we may share with our affiliates and with

nonaffiliated third parties. Finally, this Privacy Statement explains how you can

exercise your privacy rights by electing to opt-out of certain information sharing

practices that we would otherwise apply to your nonpublic personal information.

DEFINITIONS.

We, our, and us each means The Paycheck Store, LLC.

You and your each means all of our past and present customers. A customer

includes any consumer who has applied for or obtained a financial product or

service from us.

Nonpublic personal information means information about you that we

collect when we provide a financial product or service to you. Nonpublic

personal information does not include information about you that is available

from public sources, such as telephone directories or government records.

Affiliate means a company we control, a company that controls us, or a

company that is controlled by the same company that controls us.

Nonaffiliated third party means a person or company that is not one of our

affiliates.

Opt-out means your election to prevent us from sharing nonpublic personal

information about you with our affiliates or with nonaffiliated third parties,

subject to the exceptions described below. You can exercise your right to optout

by completing, signing, and mailing the Opt-Out Notice attached below.

INFORMATION COVERED BY THIS PRIVACY STATEMENT. This Privacy

Statement applies to all personally identifiable financial information about you that

we obtain when we provide or consider providing a product or service to you. It

covers the information we collect about you either during the course of our

relationship or after the relationship has ended.

OUR COLLECTION OF YOUR INFORMATION. We collect nonpublic personal

information about you from your credit application, credit reporting agencies, and

your transactions and experience with us, our affiliates, and nonaffiliated third parties.

OUR SAFEGUARDING OF YOUR INFORMATION. We restrict access to nonpublic

personal information about you to those of our employees who need to know such

information in order to provide a product or service to you. We also maintain

physical, electronic, and procedural safeguards that comply with federal standards

designed to safeguard your nonpublic personal information. Finally, we prevent

unauthorized access to your nonpublic personal information by regularly assessing

our security standards and privacy policies and by regularly training our employees

and requiring our vendors to comply with those standards and policies.

OUR DISCLOSURE OF YOUR INFORMATION. Subject to applicable state law and

your opt-out rights described below, we may disclose nonpublic personal information

about you to affiliates and to nonaffiliated third parties. If applicable state law is

more restrictive on us than the information sharing policies described in this Privacy

Statement, then our information sharing policies will conform to the more restrictive

state law. For example, if applicable state law requires us to obtain your consent prior

to disclosing nonpublic personal information about you to affiliates or to certain third

parties (i.e., an “opt-in” requirement), then we will not disclose your nonpublic

personal information to such persons – even if you do not exercise your opt-out rights.

THE TYPES OF INFORMATION ABOUT YOU WE DISCLOSE. We may disclose

the following types of nonpublic personal information about you: name, address,

home and work phone numbers, e-mail address, social security number, time at

residence, source and amount of income, and payment history.

THE TYPES OF PERSONS TO WHOM WE DISCLOSE YOUR INFORMATION.

We may disclose nonpublic personal information about you to our affiliates. We may

also disclose nonpublic personal information about you to the following types of third

parties: credit reporting agencies, collection agencies, bad debt buyers, banks,

consumer and mortgage loan companies, check cashing companies, tax preparation

service providers, and refund anticipation loan companies. Finally, we may disclose

nonpublic personal information about you to persons who collect data on certain

segments of the consumer finance industry, such as marketing companies, academics,

trade associations, and professional firms.

YOUR RIGHT TO OPT-OUT OF OUR INFORMATION SHARING PRACTICES.

You have the right to block our disclosure of certain nonpublic personal information

about you with affiliates and with nonaffiliated third parties, subject to the exceptions

described below. We call this your right to “opt-out.” Your election to opt-out of our

information sharing practices will apply to all products and services you receive from

us. If you have previously opted-out of our information sharing practices, we will

continue to honor that opt-out; you may, but you need not, opt-out again. Also, if you

have a joint account with us, an opt-out instruction given by one account owner will

affect all owners of the account. To opt-out, follow the instructions contained on the

Opt-Out Notice below. You will check the appropriate box or boxes, sign the notice,

address and stamp your own envelope, and mail the card to us by ordinary mail.

CALIFORNIA RESIDENTS: YOUR RIGHT TO REVIEW AND UPDATE INFORMATION

WE COLLECT THROUGH THE INTERNET. We maintain a process for you to review

and request changes to your personally identifiable information that we collect

through the Internet (e.g., first and last name, home address, and social security

number). To review or update this information, write to us at the following address:

California Online Privacy Request, The Paycheck Store, LLC, 500 Southland Drive STE 235,

Birmingham, Alabama 35216. The footer below shows the effective date of this Privacy

Statement. If we materially change this Privacy Statement, then we will describe

those changes in the body of the revised document.

INFORMATION WE MAY SHARE EVEN AFTER YOU OPT-OUT. Your election

to opt-out will not block our sharing of nonpublic personal information about you

with nonaffiliated third parties that perform marketing services on our behalf or with

financial institutions with whom we have a joint marketing agreement. This

nonpublic personal information includes the following types information about you:

name, address, home and work phone numbers, e-mail address, social security

number, time at residence, source and amount of income, and payment history.

Additionally, your election to opt-out will not prevent us from disclosing to our

affiliates the information we obtain from our transactions and experience with you.

Finally, we will continue to make certain other disclosures of your nonpublic personal

information that are permitted or required by law.

NOTICE OF FURNISHING NEGATIVE INFORMATION. We may

report information about your account to credit bureaus.

Late payments, missed payments, or other defaults on your

account may be reflected in your credit report.