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WWW.SHOPCBEX.COM PRIVACY POLICY AND YOUR CALIFORNIA PRIVACY RIGHTS

TABLE OF CONTENTS

WWW.SHOPCBEX.COM (“Site,” “us,” “our,” or “we”) is the official website for the Christian Business Exchange (“CBEX”). This Site is owned and operated by CBS Radio Inc. of Maryland d/b/a WPGC(AM) (“Owner and Operator”), a subsidiary of CBS Radio Inc. (“CBS Radio”). Capitalized terms used in this Privacy Policy have the same meaning as set forth in the Site’s Terms of Use Agreement.

This Site provides an online advertising service that acts as the broker/conduit for Sellers located in the Washington-Baltimore Metropolitan Area that wish to sell select “family-friendly” Products to Buyers that wish to purchase such Products. However, we are not involved in the actual payment transaction between Buyers and Sellers; no such financial transactions are conducted by the Site directly - not even those Products sold by CBEX itself. Buyers must pay for all Seller Products using PayPal, an independent, secure third party payment provider.

Your privacy is very important to us. Because we gather certain types of personally identifiable information (“Personal Information”) from users of our website (including both Sellers and Buyers) and for various activities, operational and business purposes, we feel you should know how we collect, use, disclose, manage, and store the Personal Information that you may voluntarily provide us and the Personal Information that is collected passively through the use of cookies or image tags on the Site. This Privacy Policy is incorporated by reference in the Site’s Terms of Use Agreement, which is binding on all Site users. This Policy applies only to the Personal Information collected by the CBEX and the Site and does not govern any such information collected by other WPGC(AM) Radio Station websites, the CBEX’s corporate parent(s) and corporate affiliates (“Affiliates”), or any other company, unless specifically stated. Additionally, this Privacy Policy does not govern a Buyer’s Personal Information collected by Sellers during a sales transaction, except for shipping and delivery information submitted to the CBEX for Products sold by the CBEX itself.

If you do not agree with this Privacy Policy, please do not participate in the online activities and services that require you to provide your Personal Information. (The type of Personal Information collected is listed below.) This Policy provides information regarding your choices to either Opt-out or Opt-in when your Personal Information is used for various promotional and marketing purposes by the CBEX, WPGC(AM), its Affiliates, and/or our advertisers, sponsors, or promotional partners (collectively, “Advertisers”). For example, for the CBEX, the Site or its Affiliates use of your Personal Information for marketing and promotional purposes, we provide you with the right to Opt-out. However, the choice for sharing your Personal Information with our Advertisers may be different. Please see details in the “Disclosure to Advertisers” section below.

YOUR CALIFORNIA PRIVACY RIGHTS

Residents of the State of California that have an established business relationship with a company that conducts business in California, under a provision of the California Civil Code, have the right to request from that company a list of all third parties to which the company has disclosed Personal Information about the resident for direct marketing purposes during the preceding year. Alternatively, the law provides that if the company has a privacy policy that gives either an Opt-out or Opt-in choice for use of Personal Information by third parties (such as Advertisers or Affiliates) for marketing purposes, the company may instead provide you with information on how to exercise your disclosure choice options.

This Site qualifies for the alternative option; it has a comprehensive privacy policy and provides you with details on how you may Opt-out or Opt-in to the use of your Personal Information by third parties for direct marketing purposes. Therefore, we are not required to maintain or disclose a list of the third parties that received your Personal Information for marketing purposes during the preceding year.

If you are a California resident and have an established business relationship with us and want to receive information about how to exercise your third party disclosure choices you must send a request to the following address with a preference on how our response to your request should be sent (email or postal mail). You may contact us in two ways. Send email to Privacy Administrator at Elaine.jackson@cbsradio.com. Alternatively, you may contact the Site at:

WPGC(AM)
WWW.SHOPCBEX.COM
4200 Parliament Place
Suite 300
Lanham, MD 20706

Attn: Your California Privacy Rights
c/o Privacy Administrator

For requests sent via email, you must put the statement “Your California Privacy Rights” in the subject field of your email. All requests sent via postal mail must be labeled “Your California Privacy Rights” on the envelope or post card and clearly stated on the actual request. For all requests, please include your name, street address, city, state, and zip code. (Your street address is optional if you wish to receive a response to your request via email. Please include your zip code for our own recordkeeping.) We will not accept requests via the telephone or by facsimile. We are not responsible for notices that are not labeled or not sent properly, or do not have complete information.

To all other users of this Site, if you have other questions about this Privacy Policy, please contact our Privacy Administrator at the following email address: Elaine.jackson@cbsradio.com or:

WPGC(AM)
WWW.SHOPCBEX.COM
4200 Parliament Place
Suite 300
Lanham, MD 20706

Attn: Privacy Administrator

GENERAL PRIVACY GUIDELINES

Unless specified otherwise on the Site, all users must be at least 18 years of age (a legal adult in your place of residence)and a resident of the United States (“U.S.”) to participate in any activity that requires the submission of Personal Information. This Site is designed and targeted to U.S. audiences only and is governed by and operated in accordance with the laws of the U.S. We make no representation that this Site is operated in accordance with the laws or governed by other nations. By your participation in Site activities, you certify that you are at least 18 years of age and a resident in the U.S. If you are located in the European Union or elsewhere outside of the U.S. and you participate in activities on this Site contrary to our policy that only U.S. residents are eligible for certain activities, you do so at your own risk and initiative, and are responsible for compliance with any applicable local laws. Please be aware that any Personal Information you transfer to us will be transferred to and processed in the U.S and subject to U.S. law. By using this Site, participating in any Site activities, and/or providing us with your Personal Information, you consent to this transfer of Personal Information to the U.S., and waive any claims that may arise under your own national laws. All users of the Site are required to provide true, current, complete and accurate Personal Information when prompted and we will reject and delete any entry that we believe in good faith to be false, fraudulent, or inconsistent with this Privacy Policy.

Your continued participation on this Site indicates your acceptance of this Privacy Policy and of the collection, use, disclosure, management and storage of your Personal Information as described below. We may from time to time, transfer or merge any Personal Information collected off-line to our online databases or store off-line information in an electronic format. We may also combine Personal Information we collect online with information available from other sources, including information received from our Affiliates, Advertisers, or marketing companies. This Privacy Policy covers all such Personal Information and will remain in full force and effect as long as you are a user of the Site or a participant in Site activities. We reserve the right to revise this Privacy Policy at any time by updating this document without advance notice to you. Such revisions shall be effective to you immediately upon posting. Therefore, we encourage you to check this Privacy Policy often.

We use your Personal Information to provide you with the features, services, or goods you request, to respond to billing and/or other such questions related to the CBEX or the Site, and to notify you about updates, new features, programming and activities on behalf of the CBEX, the Site, Affiliates, or our Advertisers that may be of interest to you. (We explain below in the next section what our policy is for the collection, use and disclosure of Personal Information to Advertisers).

We may also use your information for hiring, operational and business purposes, to find out how we can improve the Site via surveys or online tracking mechanisms, and to develop new services and features that may be of interest to you. We use aggregate Personal Information to help us to evaluate and modify existing services and features.

We will not sell, exchange, rent, lease or otherwise disclose your Personal Information or Sensitive Personal Information to other third party marketers or any such persons that are not associated with the Site as Advertisers unless it is necessary to: 1) conform to regulatory and legal requirements or to comply with legal process; 2) to protect the safety and security of our users, employees, or property; 3) to defend the rights of the Site, the CBEX, WPGC(AM) Radio Station, its Affiliates; or 4) to enforce the Terms of Use Agreement.

We will share your Personal Information with our WPGC(AM), our corporate Affiliates primarily for business and operational purposes. On occasion, we will share your Personal Information with Affiliates for promotional and marketing purposes. We will inform you when we conduct cross-promotional events between our various CBS Radio Stations or Affiliates and you will have the right to Opt-out of such use.

It is also necessary that we share your Personal Information and Sensitive Personal Information with our operational service providers, the specialists that provide internal support to Site operations and activities and/or for Site design, development, hosting and operations including maintenance, management, storage and/or fulfillment of our membership and e-mail clubs, various contests, sweepstakes, services, events and online stores. We use such third parties to efficiently provide the full range of content, activities and membership services we bring to you and we request that our operational service providers also protect your privacy and not disclose your Personal Information or Sensitive Personal Information to third party marketers that are not associated with the CBEX or the Site. Additionally, such providers are not to use your Personal Information or Sensitive Personal Information for their own marketing or promotional purposes.

In the event that the assets or stock of the CBEX, WPGC(AM) Radio Station, its corporate licensee or parent company(s) are sold or transferred, merged with a different company or entity, restructured, or subject to other fundamental corporate changes, we reserve the right to disclose any and all databases compiled from Personal Information or Sensitive Personal Information collected by the Site in this business transaction.

We reserve the right to collect Personal Information using any new technology yet to be developed and to use such technology to provide new services and features to you, as well as for marketing and promotional purposes. Specific information regarding your choice to Opt-in or to Opt-out to such use, or for sharing your Personal Information with Advertisers, will be provided once the new technology, service, or feature is introduced.

WEBSITE COLLECTION, USE, AND DISCLOSURE OF PERSONAL INFORMATION

Generally, users may browse this Site without providing any Personal Information. To become an authorized Seller, you must complete a Seller Application online and submit the following Personal Information: Name of business/company, name of principal, title of principal, postal address, email address, business telephone number, and facsimile number. You are also required to provide information regarding the type of business you operate and a general description of the type of goods and/or services you plan to offer on the Site.

Sellers are also required to submit a valid credit card or debit card account number for payment of the non-refundable one-time set-up fee and monthly broker transactions fees. Your credit card or debit card account number are considered Sensitive Personal Information and must be provided directly to a CBEX/WPGC(AM) Sales Executive in a secure manner, either in person, via postal mail or via fax; the account information will also be stored in a commercially reasonable secure manner. Please do not send your credit card information via email; such transmissions are not secured. We may use your general Personal Information, (but not your credit or debit card number) to contact you about future products, services and discounts from CBEX and WPGC(AM) or to provide such information indirectly from our Advertisers, unless you tell us otherwise (“Opt-out”). Alternatively, the Site may use an independent third party operational service provider PayPal to conduct financial transaction in a secured manner; the PayPal process will be accessible via a hyperlink from the Site and PayPal will be solely responsible for all financial transactions and the collection, use, and storage of your Personal Information.

Except for Buyers of CBEX Products, Buyers generally are not required to submit any Personal Information on the Site or to the CBEX. Sellers and Buyers communicate directly regarding the sale of Products, shipping and delivery, and all payment transactions are handled by PayPal. The CBEX will only collect a Buyer’s name, postal addresses, email address and telephone number for shipping and delivery of any Products that it sells on the Site. The CBEX or WPGC(AM) Radio Station may use your shipping information to send you information about additional CBEX features and Products, or additional information about the Station but we will not disclose this information to other Sellers or Advertisers. You may opt-out of our use of your Personal Information for internal marketing purposes by contacting our Privacy Administrator: Elaine.jackson@cbsradio.com.

If the Site offers certain activities (such as contest and sweepstakes registrations, membership, awards points and loyalty clubs, music sampling and surveys, news/sports/weather alerts, or registration for chat rooms and message boards) generally to users, the Personal Information you voluntarily provide may include your first/middle and last name, home address, business address, email address, telephone number, mobile phone/text messaging device number, birth date, gender, employer or personal preferences, depending on the activity. Optional personal information submitted is your full name, postal address, gender, industry you work in, occupation/role, household income, preferred news source, and favorite gadgets, to name a few. You may also have the ability to opt-in to additional subscription services, such as email news alerts and promotional and marketing information to be received directly from our generous Advertisers.

Unless stated otherwise, we do not request contact information for a mobile phone, text messaging or any wireless device that includes a domain name address (such as “.net” or “.com”) as part of the contact information for Sellers, Buyers or user contests, sweepstakes or other features. Federal law prohibits the sending of commercial email messages directly to a wireless device that uses a domain name, unless you have first given your express consent and been informed about other regulatory requirements. We may inadvertently collect a wireless device number that includes a domain name when you send us an inquiry, complete a Seller Application, purchase Products directly from the CBEX, or register for a contest or membership club. However, we will not knowingly use that contact information for sending commercial email. We reserve the right to respond to user inquiries or requests sent via a wireless device that uses a domain name as such messages are not deemed to be commercial email and therefore, are not regulated by Federal law. However, when “computer to phone” commercial emails are prohibited by law, we may reject your wireless device contact information when such information is submitted for certain Site features or services. We will attempt to notify you if we will need new contact information.

DISCLOSURE TO ADVERTISERS

We do not currently share Personal Information with our Advertisers. However, depending on the activity, we may in the future do so and you will receive notice on the Site and/or in the rules of participation (“Rules of Participation”) for the event or activity, or via an email notice. Please be informed that our Advertisers may not have the same privacy policies that we do. Therefore, we will ask you for your consent first to receive marketing information directly from our Advertisers. You will need to check the “Opt-in” click boxes that may be included on the registration area for the particular activity or event, in an email, or notify the Site’s Privacy Administrator at Elaine.jackson@cbsradio.com. However, if you do not wish to receive marketing or promotional materials from the Site and/or WPGC(AM), you will need to tell us so by clicking the “Opt-Out” click boxes that may be included on the registration area for the particular event, or alternatively, notify the Site’s Privacy Administrator. Please note that this notification process is different than the one for Advertisers.

We also provide you with an option to “Opt-out” of receiving advertising and promotional email from us in compliance with federal law by installing an Opt-out mechanism with all such email messages. You must use the designated method in the email message to notify us of your Opt-out request, as we cannot guarantee that other methods of notification will be effective or timely. Please be aware that we may continue to contact you via email for administrative or informational purposes, including follow-up messages regarding contests you have entered or other transactions you have undertaken. By law, such messages are not considered to be commercial email.

We are not responsible for removing your Personal Information from third party lists or entities which you have previously authorized us to share your information. You will need to contact those entities directly.

COOKIES AND IMAGE TAGS

The use of cookies and other similar devices is an industry standard and they are currently used on most websites, including this Site. Cookies are a small text file containing a unique identification number that is transferred from a website server either to your browser or temporary storage of a user’s computer so that the website administrator or a third party operational service provider may identify the computer and passively track the user’s activities on the website. Image tags work in conjunction with cookies and are small image files that may be located on select pages of our Site, or with-in web-based email newsletters that we may send. (Image tags are also called web beacons, web bugs, clear GIFs or single-pixel GIFs). Tracking is important because we can better understand what parts of the Site are used the most, when to launch new services and how to enhance current offerings. We may share the information we receive from cookies and image tags with third-parties, our Sellers and Advertisers in aggregate form, which means that such information generally does not contain specific Personal Information or Sensitive Personal Information about any one visitor.

In short, cookies and image tags collect a user’s Internet protocols and server information. Such data files allow the Site to remember your web browser when you visit the Site and are necessary tools for quick and efficient access to membership clubs, awards programs and contests. A cookie will not allow the Site to learn any Personal Information (such as your real name and email address) or Sensitive Personal Information that you have not otherwise disclosed. Cookies and image tags allow the Site to remember important information that will make the Site easier for you to use and helpful in our administration of various activities. We do not use cookies or image tags to collect other Personal Information or Sensitive Personal Information unless you give us permission to do so.

You should be aware that different rules might apply to the collection, use or disclosure of your Personal Information by other third parties in connection with their advertisements, promotions and other websites you encounter on the Internet. The use of cookies and other technology by these third parties is within their control and not ours. Even if we have a relationship with the third party, we do not control those sites or their policies and practices regarding your Personal Information. This Privacy Policy does not cover any use of Personal Information that a third party or an Advertiser may collect from you. We encourage you to investigate and ask questions directly of them in this regard. Also see our section called “ADVERTISING AND OTHER THIRD PARTY CONTENT.”

We reserve the right to monitor and edit any Personal Information about our users, including information about the use of the Site’s activities and services, the contents of users’ email and messages for internal purposes, and when necessary, to disclose to law enforcement personnel, and/or the employer and/or Internet Service Provider of a user that is not in compliance with the Terms of Use Agreement or Privacy Policy. We will take such measures if we believe it is necessary to protect the security, integrity, and operations of the Site, the CBEX or WPGC(AM). Without disclosure of Personal Information or Sensitive Personal Information about individual users, we may provide aggregate statistics about our users, traffic patterns and related Site information to Advertisers, reputable third party vendors or marketing companies.

You can choose to have your computer warn you each time a cookie or image tag is being sent, or you can choose to turn off all such devices. This is done through your browser. If you turn cookies off, you may not have access to many features at our Site that make your Internet experience more efficient and enjoyable – like the features mentioned above – and some of our features and services will not function properly.

CHILDREN’S PRIVACY POLICY

Although persons of all ages may visit our Site and participate in activities that do not require the collection of Personal Information or Sensitive Personal Information, we do not knowingly or intentionally collect Personal Information or Sensitive Personal Information from children under the age of 13. Except for the limited circumstances listed below, we will automatically reject and delete the registration or entry of any person we believe in good faith to be underage and does not meet the age eligibility requirements of this Site. Any false or fraudulent registration or entry from a minor (under the age of 18 or the age of adulthood in your State) will be deemed to be ineligible and will disqualify the minor from the receipt of a prize, benefit, or other participation.

Consistent with the Children’s Online Privacy Protection Act of 1998 (“COPPA”) which governs the online collection of Personal Information from children under the age of 13, except to meet Federal Communications Commission (“FCC”), or other regulatory and legal purposes, we will not use, store, or disclose any child’s Personal Information to a third party without prior parental consent.

EMAIL

We do not generally keep email correspondence, except for those emails that relate to the on-air programs or operations of WPGC(AM). As required by the FCC, if any part of your email correspondence relates to WPGC(AM) programming or operations, we must place such correspondence in WPGC(AM)’s FCC Public Inspection File, or make the correspondence available via electronic file access at WPGC(AM) to anyone that requests such information. Therefore, be informed that your Personal Information or Sensitive Personal Information contained in certain emails, including Personal Information knowingly received from a child under the age of thirteen, will be disclosed to the general public. (Please see our Children’s Privacy Policy section for details.) We request that you not place any Sensitive Personal Information in your email correspondence to the Site or WPGC(AM) that pertains to station programming or operations. You understand and agree that we are not responsible for Sensitive Personal Information that is improperly disclosed in emails that are made available to the general public in compliance with FCC regulations.

CHAT ROOMS, MESSAGE BOARDS AND PUBLIC AREAS

For your enjoyment and entertainment, this Site may offer user interactive activities such as chat rooms, message boards, and/or public forums (“Public Areas”). We will not share any Personal Information or Sensitive Personal Information that is entered into the Public Area registration section on the Site with Advertisers.

We reserve the right, at our sole discretion, to save and archive any content of any nature posted to the Site and that we may, without liability to any user: 1) disclose such content if required to do so by law or to comply with legal processes; 2) to respond to claims that any of the content violates the property, privacy, publicity or other rights of others; or 3) to protect the rights, property or safety of the Site, WPGC(AM), the CBEX, its corporate parents, CBS Radio and CBS Corporation and Affiliates, its employees, users and members of the public. For more information on this Site’s rules of conduct for these Public Areas, please see our Terms of Use Agreement.

ADVERTISING, OTHER THIRD PARTY CONTENT AND HYPERLINKS

This Privacy Policy does not cover third party advertising or other third party content that may be present on the Site, including its Sellers. This Site may provide banner and general advertising from third parties, in addition to other content provided by our Advertisers or operational service providers. Users may from time to time purchase goods or services offered through, or otherwise participate in or send messages concerning such advertising, promotions or third party content offered through the Site. Such correspondence, transactions and agreements are solely between the user and the Advertiser or the third party content provider and do not involve the Site. Also, Advertisers and such third party content providers may not have the same privacy policies that we do and you are encouraged to read their privacy policy first. (Also see our section called “Cookies and Image Tags”)

This Site often provides links to third party websites that could be of interest to our users, including the websites of our Advertisers and Sellers. As stated in our Terms of Use Agreement, the CBEX or WPGC(AM) does not own or control these websites and therefore, is not responsible for the content, business practices, nor operations of such websites. Third party websites linked on this Site may have different privacy policies and business practices than we do. The presence of a link to a third party website does not constitute or imply our endorsement, recommendation, or sponsorship of the third party content, goods, or services available through, or contained on, the Site. By use of this Site, you have agreed that you will use the hyperlinks to third party websites at your own risk.

SECURITY MEASURES

We conduct the collection, management, maintenance and storage of Seller, and when applicable, Buyer Personal Information, in a secure and commercially reasonable manner appropriate to the nature of the information using acceptable industry standards of security technology and practices (such as electronic security systems and password protections) to protect against the loss, misuse or alteration of Personal Information. We also request that our operational service providers take such precautions. WWW.SHOPCBEX.COM databases are accessible only by authorized personnel.

However, please note that when users transmit Personal Information over an unsecured Internet connection, the Site is not responsible for the security of that information during the transmission stage as your email or registration could be copied or intercepted by unknown third parties. We use a secured connection only for the collection of Sensitive Personal Information such as credit or debit cards, which is necessary for the purchase of Products, but we do not use a secured connection for other types of activities. Therefore, you understand, acknowledge, and agree that you transmit certain Personal Information over this Site at your own risk.

REVIEW, UPDATE, CORRECT, OR DELETE PERSONAL INFORMATION OR SENSITIVE PERSONAL INFORMATION

Generally, Sellers may review, update or delete your Personal Information or Sensitive Personal Information collected by the Site and the CBEX. Sellers may also correct factual inaccuracies. Certain types of Personal Information that are necessary to check eligibility, such as birth date or age, cannot be deleted, but may be modified with sufficient verification of the new information. Note that we reserve the right to terminate or delete any membership or entry if we believe the Personal Information submitted was knowingly false or fraudulent.

The CBEX only collects shipping and delivery information from Buyers of its own Products and retains such information for a limited time. Depending on the time of the request, Buyer information may not be available for your review. To review, update or delete your Personal Information or Sensitive Personal Information collected by the Site, or to ask about the availability of Buyer Personal Information, please email the Site’s Privacy Administrator at Elaine.jackson@cbsradio.com. To have access to your Personal Information or Sensitive Personal Information, you must provide proof of identification such as full name, street address, city/state and zip code, user ID and password, and/or information about your recent activity on the website. We reserve the right to deny access to any user if we believe there is a question about your identity. And if the burden or expense of providing access to your Personal Information is disproportionate to the risks to your privacy, or if the legitimate rights of others would be violated, we may decide not to provide access to such information. In such cases, we will provide to you an explanation of why access cannot be provided and a contact person for further inquiries.

This Privacy Policy was last updated on May 3, 2007 and is effective immediately.

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