THE STEVE HARVEY RADIO NETWORK, INC. PRIVACY POLICY

Your Privacy

At The Steve Harvey Radio Network, respecting the privacy and security of your personal information is important to us. We know, however, that not everyone who takes their privacy seriously is necessarily well-versed in "legal or regulatory-ese." There are plenty of legal terms in The Steve Harvey Radio Network's own privacy policy, which you will find on the following pages. We urge you to read it carefully, and make note of your rights under this policy. We've tried to provide easy-to-understand explanations of the most frequently used legal terms-terms we are required to use to ensure clarity and consistency. We want to make sure that your personal information is protected, and that you understand the policies that protect you. You'll find the same terms used in many companies' privacy policies.

Cookies and Browsers

This site uses a feature of your browser called a "cookie" to assign a "User I.D." Cookies, by themselves, cannot be used to find out the identity of any user. Your Steve Harvey Radio Network User ID automatically identifies your computer-but not you-to our servers when you visit SteveHarvey.com or other The Steve Harvey Radio Network Web sites. Unless you specifically tell us who you are (for example by completing an application), if you are just browsing our site, we will never know who you are even though we assign you a cookie. This site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practices or the content of that company or its site.

Safeguarding Customer Information

We only grant access to nonpublic personal information about you (such as your name, address, Social Security number and credit history) to company employees and affiliated and nonaffiliated service providers so that they can provide or offer products and services to you, process and service your accounts, and administer our business.

Our Code of Conduct requires that your information remain confidential. Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard this personal information. Some state laws may further restrict the sharing of your nonpublic personal information.

Collection of Information

We collect nonpublic personal information about you from the following sources:
From you, on forms, via the Internet, by telephone or otherwise. Examples of this type of information include your name, address, Social Security number, credit history and other financial information.
From transactions with us, our affiliates or with others. For example, your payment histories, account balances, and other transaction records.

From credit reporting agencies, such as information relating to your creditworthiness, your credit score and credit usage.

From third parties to verify information you have given us.

Uses of Shared Information

We may share all the information that we collect, as described above, for the following purposes:
To provide you with the products and services you requested.

To offer you additional products and services, from us or from others, that may be of interest to you.

To comply with reporting and other legal requirements.

To otherwise conduct business.

Information Sharing Among Our Family of Affiliated Companies*

The Steve Harvey Radio Network, Inc. is the holding company for a group of companies which includes financial services providers such as depository institutions, insurance agencies, mortgage companies, consumer finance companies and securities broker-dealers. Any company that is owned or controlled by The Steve Harvey Radio Network, Inc. is an "affiliate" or an "affiliated company" of all of the other companies owned by The Steve Harvey Radio Network, Inc.

Under the Federal Fair Credit Reporting Act, we are permitted to share your name, address and facts about your transactions and experience with us (such as your payment history and other transactions on your accounts with us) among our affiliated companies. That information is referred to in this Privacy Policy as "transaction information."

Unless you request otherwise, we also share all of the other information we collect among our affiliated companies. This information-that is, information other than transaction and experience information-is referred to in this Privacy Policy as "other information."

You have the right to ensure that other information is not shared among our affiliates. If you prefer that we not share other information among our affiliates, you may opt out of those disclosures by following the steps in the "Your Opt Out Choices" section.

Once we receive your opt out request, we will stop sharing this information as soon as reasonably practicable. Your opt out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt out will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to opt out as to such other accounts, they will need to submit a separate opt out request.

Information Sharing with Nonaffiliated Third Parties as Permitted by Law

We are permitted by law to share all the information we collect, as described above, with (1) companies that perform marketing services on our behalf and (2) with other entertainment or financial institutions with whom we have joint marketing arrangements. For example, we may share information with financial services providers with which we offer products such as credit cards or accelerated loan payment programs.

We may also share all the information we collect, as described above, with other nonaffiliated third parties that assist us with preparing monthly statements and with the processing and printing of checks. These other nonaffiliated third parties also include credit reporting agencies to whom we report information about your transactions with us.

Please be advised that the opt out rights described below will not apply to the sharing of information with these third parties or to the sharing of information with marketing service providers and joint marketers as described above.

Information Sharing with Other Nonaffiliated Third Parties and Your Opt Out Rights
Unless you request otherwise, we may share all the information we collect, as described above, with additional types of nonaffiliated third parties, such as:
Financial service providers, such as life insurance companies for whom one or more of our affiliates acts as agents.

Nonaffiliated companies, such as firms that offer value-added packages of products and services (including discounted travel services, discounted hotel accommodations and shopping services).

If you prefer that we not share nonpublic personal information with these nonaffiliated third parties, you may opt out of those disclosures (other than those permitted by law) by following the steps in the "Your Opt Out Choices" section.

We will stop sharing this information as soon as reasonably practicable. Again, your opt out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt out will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to opt out as to such other accounts, they will need to submit a separate opt out request.

Sharing of Nonpublic Personal Health Information

If you engage in an insurance transaction with or through us, we may collect nonpublic personal health information about you. We do not share nonpublic personal health information with any nonaffiliated third party unless you have authorized the disclosure, the disclosure is made in connection with an insurance transaction that was initiated by you or the disclosure is otherwise permitted by law.

Your Opt Out Choices

If you wish to direct The Steve Harvey Radio Network to stop sharing certain nonpublic personal information about you with nonaffiliated third parties or among our affiliated companies, please call our Customer Care Center at 877.29.STEVE (877.297.8383) to opt out, or you may send your instructions to The Steve Harvey Radio Network, C/o Anderson & Smith P.C., Attn: Attorney Ricky Anderson, One Arena Place, 7322 Southwest Freeway, Suite 2010, Houston, Texas 77074. If you have previously opted out, you will not need to do so again, unless you are establishing a new customer relationship with us. If you are calling to opt out of a newly established WM Financial Services relationship, please wait 10 days before calling to give us your opt out preferences. We will not share your nonpublic personal information (except as permitted by law) during this 10-day period.

Option 1: Directs The Steve Harvey Radio Network not to share nonpublic personal information with nonaffiliated third parties, except as permitted by law.

What this means:
You direct The Steve Harvey Radio Network not to share nonpublic personal information about you with nonaffiliated third parties except as permitted by law. These exceptions include companies that perform marketing services on our behalf, other financial institutions with whom we have joint marketing arrangements, other nonaffiliated service providers (such as those that assist us with monthly statement preparation and check printing and processing), and credit reporting agencies to whom we report information about your transactions with us.

Option 2: Directs The Steve Harvey Radio Network not to share certain nonpublic personal information among its affiliates, except as permitted by law.

What this means:
You direct The Steve Harvey Radio Network not to share nonpublic personal information about you among its affiliated companies except as permitted by law. You will continue to receive mailings and advertisements from The Steve Harvey Radio Network company/companies with which you do business.

Option 3: Directs The Steve Harvey Radio Network not to share nonpublic personal information with nonaffiliated third parties or among its affiliates, except as permitted by law.
What this means:
The Steve Harvey Radio Network will not share your nonpublic personal information with either nonaffiliated third parties or among its affiliates, unless permitted by law.
Please note that, even if you opt out, you may still receive advertising and other marketing materials if those materials can be provided without violating your opt out instructions.

Your Choice to Limit Marketing

You may limit our affiliates from marketing their products or services to you based on information that we share with them, such as your income, your account history with us, and your credit score.
Your decision to limit marketing offers from our affiliates will not expire unless you revoke it in writing, or, if you agree, electronically. This limitation does not apply in certain circumstances, such as if you currently do business with one of our affiliates or if you ask to receive information or offers from them.
To limit marketing offers, please follow the steps in the "Your Opt Out Choices" section.
If two or more consumers jointly obtain a product or service from us, any of them may call to limit marketing offers. We will treat a request to limit marketing offers by any of the joint consumers as applying to all of the associated joint consumers for that product or service.

If you are a resident of Vermont, The Steve Harvey Radio Network, Inc. will obtain your consent prior to disclosing your nonpublic personal information to nonaffiliated third parties, except to the extent that sharing such information is required or permitted by law.

* This Privacy Policy applies to the following The Steve Harvey Radio Network companies and divisions: NuOpp, Inc.

Other Ways to Protect Your Privacy

Marketing Lists

You can reduce the amount of marketing material and credit applications you receive via mail, telephone or e-mail by writing the Direct Marketing Association at the addresses listed below. You must provide your name, address and telephone number with your request.

www.dmaconsumers.org/consumerassistance.html **

Identity Theft

Identity theft is a serious and growing problem. If someone has fraudulently used your identification to establish credit, report the incident as quickly as possible to each of the credit reporting agencies listed below and ask that a fraud report be placed on your file.

Experian 888-397-3742

Equifax  800-525-6285

TransUnion 800-680-7289

You may also check to see if any additional credit accounts have been opened without your consent or whether unauthorized charges were billed to your accounts. Contact these credit reporting agencies to obtain a copy of your credit report.

Experian 888-397-3742

Equifax  800-685-1111

TransUnion 800-916-8800

Please note that this contact information is being provided as a service to you. The Steve Harvey Radio Network is not affiliated with any of these services and cannot guarantee their effectiveness.