Email Compliance Rules

Due to the enactment of the CAN-SPAM Act of 2003, governing commercial email as of January 1, 2004, LoanWeb/iHomeowners Inc. has revised its terms and conditions applicable to affiliates, email publishers and list brokers with respect to the following:

• Any Solo email &/or newsletter that contains LoanWeb image(s), text copy and/or tracking links
• Any Solo email &/or newsletter that direct any recipient to a LoanWeb served and/or tracked link
• Any Solo email &/or newsletter that direct any recipient to a LoanWeb hosted landing page or home page.

LoanWeb/iHomeowners Inc. requires that any email campaigns which include LoanWeb links or call-to-actions adhere to the following rules:

1. No Misleading Headers or Other Masking of Email Origin
   An email shall not include false or misleading header information, false or misleading registrations for email accounts, or IP addresses used in connection with email ads, and/or retransmissions of an email ad for the purpose of concealing its origin.
2. Email Ads Must be Clearly Identified as Advertisements
   Emails that include advertisements or solicitations must be identified by clear and conspicuous means. The sender of the email must be identified as the initiator of the email and the email must include the company name, email and physical address and phone number of the sender.
3. Email Shall Not Contain a Falsified or Deceptive Subject Line
   Every subject line must have a substantive relationship to the content of the email. Any attempt to make an email appear as if it was in reply to a previous email or an email forwarded to the recipient by someone else is strictly prohibited.
4. Effective Method of Opt-Out of Future Mailings
   All emails from LoanWeb email publishers/list brokers must allow recipients to remove themselves from sender mailing list (opt-out). Effective means of providing this ability include giving the recipient the ability to send a reply message or other "Internet-based communication" (such as a link to a Web site where the recipient registers it opting) enabling the recipient to opt-out of future emails from the sender.
5. Opt-Out Requests Must Be Purged Within 10 Business Days
   All links allowing for opting out of senders email must be viable for at least 60 days after the original message is sent and senders emails must stop within 10 business days of senders receipt of an opt-out request. Opt-in Consent must be kept on file for a period of 24 months from the date of receipt.
6. No Sale or Transfer of Opted-Out Email Addresses
   Email senders are prohibited from selling or otherwise transferring email addresses of persons who have opted-out.
7. No Sexually Oriented Material in Email Messages
   Any email containing the LoanWeb name or links may not contain any reference to sexually oriented material.
8. No Unlawful Retransmission of Emails
   Senders are prohibited from relaying or retransmitting emails from a computer or computer network that was accessed without authorization.