URBAN FINANCIAL GROUP, INC. - PRIVACY POLICY

Respecting and protecting customer privacy is vital to our business. By explaining our Privacy Policy to you we trust that you will better understand how we keep our customer information private and secure while using it to serve you better. Keeping customer information secure is a top priority, and we are disclosing our policies to help you understand how we handle the personal information about you that we collect and disclose. This notice explains how you can limit our disclosing of personal information about you. The provisions of this notice will apply to former customers as well as current customers unless we state otherwise.

THE PRIVACY POLICY EXPLAINS THE FOLLOWING:

• Protecting the confidentiality of our customer
• Who is covered by the Privacy Policy
• How we gather information
• The types of information we share, why, and with whom
• Opting Out - how to instruct us not to share certain information about you or not to contact you

PROTECTING THE CONFIDENTIALITY OF CUSTOMER INFORMATION:

We take our responsibility to protect the privacy and confidentiality of customer information very seriously. We maintain physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration, and destruction. Our control policies, for example, authorize access to customer information only by individuals who need access to do their work.

From time to time, we enter into agreements with other companies to provide services to us or make products and services available to you. Under these agreements, the companies may receive information about you but they must safeguard this information, and they may not use it for any other purpose.

WHO IS COVERED BY THE PRIVACY POLICY:

We provide our Privacy Policy to customers when they conduct business with our company. If we change our Privacy Policy to permit us to share additional information we have about you, as described below, or to permit disclosures to additional types of parties, you will be notified in advance. This Privacy Policy applies to customers who are current customers or former customers.

HOW WE GATHER INFORMATION:

As part of providing you with financial products or services, we may obtain information about you from the following sources:

• Applications, forms, and other information that you provide to us whether in writing, in person, by telephone, electronically, or by any other means. This information may include your name, address, employment information, income, and credit references.
• Your transaction with us, our affiliates, or others. This information may include your account balance, payment history, and account usage.
• Consumer reporting agencies. This information may include account information and information about your credit worthiness.
• Public sources. This information may include real estate records, employment records, telephone numbers, etc.

INFORMATION WE SHARE:

We may disclose information we have about you as permitted by law. We are required to or we may provide information about you to third parties without your consent, as permitted by law, such as:

• To regulate authorities and law enforcement officials.
• To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.
• To report account activity to credit bureaus.
• To consumer reporting agencies.
• To respond to a subpoena or court order, judicial process or regulatory authorities.
• In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating unit, etc.

In addition we may provide information about you to our service providers to help us process your applications or service your accounts. Our service providers may include billing service providers, mail and telephone service companies, lenders, investors, title and escrow companies, appraisal companies, etc.

We may also provide information about you to our service providers to help us perform marketing services. This information provided to these service providers may include the categories of information described above under “How we Gather Information” limited to only that which we deem appropriate for these service providers to carry out their functions.

We do not provide non-public information about you to any company whose products and service are being marketed unless you authorize us to do so. These companies are not allowed to use this information for purposes beyond your specific authorization.

QUESTIONS REGARDING THIS POLICY / OPTING OUT:

Contact:

Urban Financial Group, Inc.
8909 S. Yale Avenue Tulsa, Oklahoma 74137
Attn: Privacy Officer

888-777-3311

STATE NOTICES

For Nevada residents only. We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by contacting us at Urban Financial Group, 8909 S. Yale Avenue, Tulsa, OK 74137 or calling at 888-777-3311. Nevada law requires that we alsoprovide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number - 702.486.3132; email: BCPINFO@ag.state.nv.us. Urban Financial Group, 8909 S. YaleAvenue, Tulsa, OK 74137. Phone number: 888-777-3311. E-mail: Click on “Contact Us” at urbanfinancialgroup.com.

Vermont: In accordance with Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, except as permitted by law, such as with your consent, to service your accounts or to other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

California: In accordance with California law, we will not share information we collect about you with companies outside of Urban Financial Group, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.

URBAN FINANCIAL GROUP, INC. - “DO NOT CALL” POLICY

Urban Financial Group, Inc. (“Urban”) complies with laws and regulations and is committed to protecting and respecting consumers’ rights to privacy.

Urban does not engage in telemarketing activities, as all initial contact with Urban is made in response to the consumer’s inquiry or invitation for information about a reverse mortgage within three (3) months of such inquiry.

Urban maintains a record of the name and telephone number(s) for consumers who do not wish to be called or contacted. Upon request, consumers’ telephone number(s) (both customers and non-customers) will be added to the internal Do Not Call List within five (5) business days of receipt of such request. This record will be retained for at least five (5) years.

Consumers are responsible for notifying Urban any changes in name or telephone number if they move or wish to place a new telephone number on the Urban Internal Do Not Call list. Furthermore, consumers are responsible for notifying Urban if there is more than one telephone line or number that they wish to place on the Do Not Call list.

Consumers have additional avenues available to them, which will help reduce or eliminate unwanted telephone solicitations. Consumers may place their telephone number(s) on the National Do Not Call Registry by calling 1-888-382-1222 or online at www.donotcall.gov.

Telephone calls to consumers with whom Urban has an established business relationship are permitted unless they have asked to be included on the internal Do Not Call list.

No unsolicited facsimile solicitations will be initiated.

Consumers may request a copy of this Policy. Upon receipt of request, we will send a copy via U.S. mail or electronic mail within a reasonable time period of thirty (30) days. If you have any questions or comments regarding Urban Do Not Call Policy, you may contact:

Urban Financial Group, Inc.
Compliance Department – Do Not Call List
8909 S. Yale Avenue
Tulsa, OK 74137

888-777-3311