Welcome!

You are about to begin product compliance training related to TPG’s Fast Cash ADVANCE
program. To offer the Fast Cash ADVANCE, you must understand and comply with the information
presented in this product training and successfully complete the exam. You will also need to complete
TPG’s annual Program Compliance training to complete your enrollment.

The training should take you about 20 minutes and consist of 10 questions.

Click here to begin

 Taxpayer Advance Product Structure
TPG is excited to offer the Fast Cash ADVANCE program to help you grow your business. The Fast Cash
ADVANCE allows you to offer your taxpayers an advance against their expected tax refund. The
product is available once the IRS starts accepting tax returns.

Here are some key facts related to the program:

• The Fast Cash ADVANCE has multiple possible loan amounts ranging from $500 to $7,000, giving
your taxpayer the best chance for loan approval.
• The Fast Cash ADVANCE is affordable to the taxpayer. There are no application fees. The
taxpayer will only be charged an interest rate, on the total loan amount, of approximately
35.99%.
• The Fast Cash ADVANCE product cost is paid by any interest paid by the taxpayer and fees you,
as the preparer, pay. TPG has created an affordable program with reasonable product fees
depending on the loan amount the taxpayer is approved for. As always, you will not be charged
for denied applications and TPG will be monitoring fees to ensure that customers are not
charged the Fast Cash ADVANCE product fee.
• Customers can elect to receive the Fast Cash ADVANCE via direct deposit, cashier’s check, or
card.
• Customers can visit www.taxpayer.sbtpg.com to monitor their account status and get updates
on their Fast Cash ADVANCE.
• Once the IRS issues the taxpayer’s refund, TPG will deduct the Fast Cash ADVANCE amount from
the refund amount.
• For interest bearing Bank Products, advise the Taxpayer that the Bank Product is an interest-
bearing loan and not a quicker way of receiving their refunds from the IRS.
• Advise the Taxpayer that if the Bank does not receive a direct deposit within the expected time
frame for whatever reason, the Taxpayer maybe liable to Bank for additional interest and other
fees, as applicable for the loan.

If you participate in the Fast Cash ADVANCE, you can also choose to participate in TPG’s Early Fast Cash
ADVANCE program, which simply means you can offer taxpayers advances starting January 2, 2023. The
Early Fast Cash ADVANCE offers qualified taxpayers an advance from $500 to $7,000 against their
expected tax refund. If taxpayers are approved for the Early Fast Cash ADVANCE they cannot apply for
the Fast Cash Advance; however, if they are conditionally denied for the Early product, they will still be
considered for the Fast Cash Advance once the IRS has accepted their tax return. The Early Fast Cash
ADVANCE product cost is paid by any interest paid by the taxpayer and fees you, as the preparer, pay.
To participate in the Early Fast Cash ADVANCE you must also opt-in to the Fast Cash ADVANCE program.

Compliance Key: The Equal Credit Opportunity Act (ECOA) makes it unlawful to discriminate against any applicant for credit based on
race, color, religion, national origin, sex, marital status, or age. Also, unlawful to discriminate because all or part of an applicant’s
income is derived from public assistance or because the applicant has in good faith exercised any right under the Consumer Credit
Protection Act. If the consumer meets the basic eligibility requirements programmed into the tax software and the software presents
the opportunity to apply for a loan, you must allow the consumer to apply for the loan if he or she desires.
 Taxpayer Application & Approval Process

Compliance Key: Banks are required to collect certain customer information in order to ensure compliance with
the Bank Secrecy Act and more specifically section 326 with the USA Patriot Act and other regulations including
complying with the Office of Foreign Assets Control. Be sure to properly collect and verify all identifying
information and documentation provided. Collect from the customer’s unexpired government issued photo ID the
type of ID, ID number, place of issuance, date of issuance and expiration date. Any information collected should be
retained for 5 years. Be sure to report anything that appears to be unusual or suspicious directly to TPG and the
IRS. Report unusual or suspicious activity directly to TPG at 800-779-7228. Anything reported or escalated should
be retained for 5 years from date of discovery, considered confidential, and never be disclosed to the Customer.

Applying for the advance products is a quick and easy process. The advance is available via direct
deposit, cashier’s check, or card. When prompted by the software, select the taxpayer’s preferred
disbursement method.

To offer the advance products, on a card, follow these four steps:

1) Select the card disbursement option for the selected advance within your software.
2) Follow the prompts to have the Taxpayer scan the Go2Bank QR Code to start the account
opening process. Once the customer has completed the account opening process, they
can provide you with the Routing and Account number. Follow the prompts within your
software to enter the Routing and Account number.
3) Instruct the taxpayers that the taxpayer's account is active and ready to receive their
advance without further action for the customer except to check their balance on their
GO2bank app or WWW.go2bank.com.
4) Instruct the taxpayers to view the status of their account at www.taxpayer.sbtpg.com.
Please note: If there is an unexpected delay with the taxpayer’s advance due to card
activation issues, TPG will automatically change the disbursement method to a cashier’s
check which will be printed from your office. There is no increased cost to the taxpayer or
you for this change. You will see a check print record when the advance is ready to print.
If you have any questions about this process, please contact TPG Customer Service.
Additionally, your taxpayer can check the status of their loan at
www.taxpayer.sbtpg.com.

If the taxpayer elects to receive their approved advance on a cashier’s check, the taxpayer will need
to return to your office to pick up the check once their application is approved. You will receive a
check print record once it’s ready to print.

If the taxpayer elects to receive their approved advance via direct deposit, the taxpayer will have the
advance deposited directly into their personal bank account. If the account information is entered
incorrectly and funds are returned to TPG, TPG will automatically change the disbursement method
to a cashier’s check which will be printed from your office.

Note: To ensure that there are no delays in receiving refunds, please have the taxpayer contact their
financial institution to confirm that they are using the correct RTN (routing) and account number. In
cases where you or the taxpayer enters the account information incorrectly and the deposit is not
returned to TPG but is transferred to the incorrect account you or the taxpayer specified, Lender
 and TPG may not be able to recover the funds. Lender and TPG are not responsible for the
misapplication of a direct deposit that results from error, negligence or malfeasance on the part of
you or the taxpayer. In cases where TPG has received the federal tax refund but is unable to deliver
the funds directly to the taxpayer, funds may be held at TPG until claimed, or returned to the IRS. An
Account Research and Processing Fee of $30.00 may be charged if TPG is required to provide
additional processing to return the funds to the IRS. These fees will be retained by TPG. Due to the
risk of fraudulent diversion of tax refunds, we will not process any address or account changes for
purposes of disbursing the tax refund. If we become aware that the address or checking or savings
account has changed after this Agreement is signed but before the federal tax refund is received by
TPG, upon receipt of the federal tax refund from the IRS TPG will return the tax refund to the IRS
after deducting our Refund Processing Fee and other applicable fees. We will do our best to escalate
the return of the federal tax refund to the IRS and you and the taxpayer will need to work with the
IRS directly for disbursement.

The taxpayer will electronically sign the advance application and disclosures before they leave your
office. Please remember: You are responsible for providing the taxpayer with the key information
necessary to make informed decisions regarding tax refund-related products before the taxpayer applies
for a product or pays any fees as these products are optional. All documentation will be available within
your tax software and First Century Bank’s privacy policy will be provided to the taxpayer when they
apply for an advance.

Immediately after the IRS acknowledges the tax return, the customer’s advance application will be
reviewed within 24 hours.

Once approved for the advance, taxpayer funds will be issued to your customer by the payment method
selected. The advance will be directly deposited within 48 hours to taxpayer’s personal bank account,
taxpayers can pick up their cashier’s check at your office or loaded onto the card immediately. If
declined, your customer will be notified of the decline when visiting www.taxpayer.sbtpg.com.
Additionally, within 30 days of the application, a Notice of Adverse Action will be provided via mail

Compliance Key: You are prohibited from imposing higher fees for tax preparation services to customers based on
whether they obtain a tax refund-related product or to borrowers who claim the earned income tax credit (EITC).
The tax loan is a “loan” and not the consumer’s tax refund.

explaining the reason(s) for the declined advance.

Please note: A Refund Transfer (“RT”) is not required with the Fast Cash Advance. That means a taxpayer
can receive a Fast Cash Advance and no RT and then must pay out of pocket for tax preparation fees.
There is an additional Tax Refund Deposit and Payment Authorization form which is used for this
purpose in lieu of the RT Application and Agreement. The Tax Refund Deposit and Payment
Authorization form contains a taxpayer authorization for a bank account to be opened to receive the
federal and if applicable, state tax refunds and to deduct the Fast Cash Advance amount from the refund
amount(s).

Here are some key facts to remember:

• Remember to answer the taxpayer’s questions before proceeding with the advance application
or agreeing to any product fees. Additionally, be mindful of the product disclosures and
 materials so you can refrain from making oral statements to customers which may contradict
written materials.

• Customers are approved or declined by First Century Bank and the advance is based on eligibility
criteria and underwriting standards.

• Customers will electronically agree to the terms and conditions set forth in the advance
application and disclosure before leaving your office. They will also select their preferred
disbursement method. Be sure to explain to the taxpayer that an advance does not speed up
IRS processing of their tax refund.

• If the taxpayer wants the advance via direct deposit, the advance will be deposited directly into
their personal bank account.

• If the taxpayer wants the advance on a paper cashier’s check, they will need to return to your
office to pick up the check once they are approved.

• If the taxpayer wants the advance on card, follow the prompts in your software to enter the
Routing and Account number.

• Not all consumers will qualify for a loan, or for the maximum loan amount, and you will not be
charged for unapproved applications.

• If declined, the customer will receive a message notifying them of the decline followed by an
Adverse Action Notice which provides specifics within 30 days. If the customer has a complaint
about their loan, or their loan status, this should be reported to TPG directly.

• The taxpayer can check the status of their advance by visiting www.taxpayer.sbtpg.com.

Summary
As we have stated, applying for Fast Cash ADVANCE is a quick and easy process.

The in-store steps are:

• Determine if Federal tax refund is due to customer and if they would like to apply for a Fast Cash
ADVANCE.
• If the customer wants a Fast Cash ADVANCE, select this product in your software and have the
customer sign the required Forms.
• Determine what disbursement method is preferred – direct deposit, cashier’s check, or card.
• If a GO2bank card is selected, have the Taxpayer scan the Go2Bank QR Code to start the
account opening process. Once the customer has completed the account opening process,
they can provide you with the Routing and Account number. Follow the prompts within your
software to enter the Routing and Account number. The taxpayer's account is active and
ready to receive their advance without further action for the customer except to check their
balance on their GO2bank app or WWW.go2bank.com.
• Instruct the taxpayer that it can take up to 24 hours to be approved for the Fast Cash ADVANCE.
• Inform the taxpayer that the status of their application will be available by logging onto
www.taxpayer.sbtpg.com.
• Finish the tax return and transmit the tax return to the IRS.
Question 1
Where does a customer go to complete the Fast Cash ADVANCE application?

Select One
The taxpayer completes the application and fills out all required paperwork with the IRS.

The customer fills out the application by hand and mails to TPG.

The taxpayer completes the application, disclosures and selects their disbursement method before they
leave your office.

The taxpayer completes the application and fills out all required paperwork at home.

Correct Answer: The taxpayer completes the application, disclosures and selects their disbursement method
before they leave your office.

Question 2
When does the customer's information go through review to begin the Fast Cash ADVANCE application
process?

Select One
After the tax return is transmitted.

When the customer starts to prepare their tax return with me, their tax preparer.

After the IRS funds the tax return and the customer has received their full federal refund.

After the customer has received their W-2 and they are at home.

Correct Answer: After the tax return is transmitted.

Question 3
What factors into the decision to approve or decline a customer for the Fast Cash ADVANCE?

Select One
Customers are approved or declined by TPG and the advance is based on income history.

Customers are approved or declined by First Century Bank and the advance is based on employment
history.

Customers are approved or declined by First Century Bank and the advance is based on eligibility criteria
and underwriting standards.
Correct Answer: Customers are approved or declined by First Century Bank and the advance is based on
eligibility criteria and underwriting standards.

Question 4
How long does it take for the customer to know if they’ve been approved for the Fast Cash ADVANCE?

Select One
The taxpayer underwriting process can take up to 24 hours before the taxpayer will know if they are
approved for the Fast Cash ADVANCE.

The taxpayer is reviewed for Fast Cash ADVANCE once the IRS funds the tax return, which can take up
to 21 days.

Correct Answer: The taxpayer underwriting process can take up to 24 hours before the taxpayer will know if
they are approved for the Fast Cash ADVANCE.

Question 5
What fees are charged to the customer for the Fast Cash ADVANCE and the Early Fast Cash ADVANCE?

Select One
4% of the principal amount of the approved loan.

The customer will be charged 35.99% in interest on the full loan amount, if approved. TPG will
monitor my fees to ensure that consumers are not being charged for the Fast Cash ADVANCE.

The Fast Cash ADVANCE product fees are paid by the consumer.

8% of the principal amount of the approved loan.

Correct Answer The customer will be charged 35.99% in interest on the full loan amount, if approved. TPG
will monitor my fees to ensure that consumers are not being charged for the Fast Cash ADVANCE.

Question 6
What are the minimum and maximum Fast Cash ADVANCE or Early Fast Cash ADVANCE amounts a
customer can be approved for?

Select One
Based on information in the tax return, taxpayers are approved for Fast Cash ADVANCE or an Early Fast
Cash ADVANCE from $500 to $7,000. If taxpayers do not qualify for the full loan, there are no other options
available to them.

Based on information in the tax return, taxpayers are approved for Fast Cash ADVANCE or an Early Fast
Cash ADVANCE from $500 to $7,000. I will not be charged for denied Fast Cash ADVANCE applications.
 Based on information in the tax return, taxpayers are approved for Fast Cash ADVANCE or an Early Fast
Cash ADVANCE from $500 to $7,000. I am charged for every Fast Cash ADVANCE application.

Correct Answer: Based on information in the tax return, taxpayers are approved for Fast Cash ADVANCE or
an Early Fast Cash ADVANCE from $500 to $7,000. I will not be charged for denied Fast Cash ADVANCE
applications.

Question 7
How are the Fast Cash ADVANCE funds disbursed?

Select One
The Fast Cash ADVANCE is available to the taxpayer as a direct deposit into their checking account. The
taxpayer selects their disbursement method during the application process.

The Fast Cash ADVANCE is available to the taxpayer to load onto their debit card. The taxpayer selects
their disbursement method after they are approved for the loan.

The Fast Cash ADVANCE is available to the taxpayer to load onto a gift card, which can be loaded in the
tax office. The taxpayer selects their disbursement method after they are approved for the loan.

The Fast Cash ADVANCE is available to the taxpayer via direct deposit, a cashier’s check printed in my
tax office, or a card. The taxpayer selects their disbursement method during the application process.

Correct Answer: The Fast Cash ADVANCE is available to the taxpayer via direct deposit, a cashier’s check
printed in my tax office, or a card. The taxpayer selects their disbursement method during the application
process.

Question 8
How do you print checks for customers that choose this disbursement option for their Fast Cash ADVANCE?

Select One
I will need to check the IRS website to determine when the check is ready to print.

I will need to check with my software company.

I will receive a check print record once it’s ready to print.

I will need to check my TPG account online to determine when the check is ready to print.

Correct Answer: You will receive a check print record once it’s ready to print.

Question 9
How is the Fast Cash ADVANCE loan repaid?
Select One
The Fast Cash ADVANCE is repaid by having the taxpayer mail a personal check to TPG.

The Fast Cash ADVANCE is repaid by having the taxpayer submit a debit card or credit card payment.

The Fast Cash ADVANCE is deducted from the funded tax refund.

The Fast Cash ADVANCE is repaid by having the taxpayer submit a money order to TPG.

Correct Answer: The Fast Cash ADVANCE is deducted from the funded tax refund.

Question 10
To offer the Fast Cash ADVANCE on a card, what steps do you need to take?

Select One
Open the sealed envelope containing the card. Enter the 13-digit external ID into your software.
Make sure to enter and verify the taxpayer’s home and email addresses, as they will receive important
activation and status notification at this email address. Hand the taxpayer the card.

If a GO2bank card is selected, have the Taxpayer scan the Go2Bank QR Code to start the account
opening process. Once the customer has completed the account opening process, they can provide
you with the Routing and Account number. Follow the prompts within your software to enter the
Routing and Account number. The taxpayer's account is active and ready to receive their advance
without further action for the customer except to check their balance on their GO2bank app or
WWW.go2bank.com.

Open the sealed envelope containing the card. Have the taxpayer enter the 13-digit external ID into
your software. Make sure to enter and verify the taxpayer’s home and email addresses, as they will
receive important activation and status notification at this email address. Hand the taxpayer the card.

Correct Answer If a GO2bank card is selected, have the Taxpayer scan the Go2Bank QR Code to start
the account opening process. Once the customer has completed the account opening process, they
can provide you with the Routing and Account number. Follow the prompts within your software to
enter the Routing and Account number. The taxpayer's account is active and ready to receive their
advance without further action for the customer except to check their balance on their GO2bank app
or WWW.go2bank.com.