CONSENT FOR ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT

Please read this information carefully and print a copy and/or retain this information electronically for future reference.

Introduction. You are submitting a request to be matched with Lenders, Insurance Providers or real estate professionals (please see the "Terms of Use Agreement", incorporated herein by reference, for additional information, definitions and terms) (a "Request") through InsuranceTree, a service of LendingTree. InsuranceTree can only provide you the benefits of our service by conducting its business through the Internet. In order to do this, we need you to consent to our giving you certain disclosures electronically. This document informs you of your rights when receiving legally required disclosures, notices and information ("Disclosures") from InsuranceTree and Lenders, Insurance Providers or real estate professionals to whom your Request is submitted. By completing and submitting a Request through InsuranceTree, you acknowledge receipt of this document and consent to the electronic delivery of such Disclosures and other communications.

Electronic Communications. Any Disclosure or other communication related to your Request will be provided to you electronically. However, if you wish to obtain a paper copy of any Disclosure or communication, you may write to InsuranceTree, Disclosure Request, PMB 008, 15105 - D. John J. Delaney Drive, Charlotte, NC 28277 with the details of your request. Paper copies will be provided to you at no charge.

Scope of Consent. Your consent to receive Disclosures and other communications and to do business electronically, and our agreement to do so, only applies to this Request. You will receive Disclosures from InsuranceTree, and you may also receive Disclosures and other communications from Lenders, Insurance Providers or real estate professionals. After your Request is transmitted to one or more of our Lenders, Providers or real estate professionals, and after you decide to continue to pursue your Request, then you and the Lender, Provider or real estate professional can agree to change the method upon how you conduct business with them.

Consenting to Do Business Electronically. Before you decide to do business electronically with InsuranceTree, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware:

• Internet access with 128-bit encryption
• Adobe Acrobat Reader 6 or higher
• Ability to Print Internet Explorer 6 or higher
• Netscape 8.04 and above (Use in IE mode)
• Email Access or Firefox version 1.5

Withdrawing Consent. Because InsuranceTree will provide the Disclosures and communications to you instantaneously, you will not be able to withdraw your consent to do business electronically with InsuranceTree. However, you may withdraw your consent to do business electronically with Lenders, Providers or real estate professionals at no cost to you. You may do so by contacting the Lender, Provider or real estate professional at the mailing address, email address or telephone number they provide with their offer. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic Disclosures and communications will not be affected.

Changes to Your Contact Information. You should keep us informed of any change in your electronic or mailing address. You may contact InsuranceTree Customer Care by telephone at 704.944.2110 regarding any such changes.

YOUR ABILITY TO ACCESS DISCLOSURES. BY SUBMITTING YOUR REQUEST, YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE ELECTRONIC DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY SUBMITTING YOUR REQUEST, YOU CONSENT TO HAVING ALL DISCLOSURES AND COMMUNICATIONS PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH INSURANCETREE, LENDERS, PROVIDERS AND REAL ESTATE PROFESSIONALS ELECTRONICALLY.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
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